Residential Condominium Coverage

Get a Condo insurance quote in 3 convenient ways.

All Risks, Ltd., can deliver a quick Condo (HO-6) insurance quote for hard-to-place condominiums nationwide in three convenient ways: online, phone and email. As part of the largest independent wholesaler in the country, All Risks has access to the most competitive Condo insurance quotes and rates available from multiple A.M. Best “A” or better rated non-admitted carriers. You can receive competitive indications, an accurate Condo insurance quote and same-day coverage for specialty personal lines, hard-to-place risks. Contact us today to learn more about our Condo insurance coverage options!


  • Three Ways to Quote: 1) Online, 2) Phone, 3) Email a Specialist
  • “A” rated or better non-admitted markets
  • All occupancies accepted
  • No distance-to-coast setback
  • Primary flood included on units located 2nd floor and above ($25,000 sub-limit applies)
  • Minimum premium: $350 – $500 (varies by state)
  • Multiple deductible options
  • Protection class 1-10
  • No more than 3 claims within the past 3 years
    • Contact your local underwriter if risk has property losses exceeding $10,000 or if risk has more than 2 losses within the past 3 years
  • Direct bill available on renewal policies (Some products may only be available through an All Risks underwriter.)
  • High profile individuals accepted
  • Wind mitigation credits available
  • Phone and online quoting available: AL, CT, DE, DC, FL, GA, ME, MD, MA, NH, NJ, NY, NC, RI, SC, TX, VA

Email Quoting

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Phone Quote



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Quote Online
  • HO-6 unit owners form
  • Primary, secondary, rental (short-term and long-term), vacant
  • Coastal including properties right on the beach
  • Properties with parking garages accepted
  • Any year built acceptable, condos prior to 1960 must be updated
  • Risks with prior liability loss are not accepted

Coverage A Dwelling Property coverage for condos valued $5,000 – $3,000,000

  • Personal Property
  • Dwelling improvements, alterations and additions
  • Liability ($100,000 minimum – up to $1,000,000 limits)
  • Medical Payments ($1,000 – up to $10,000 limits)
  • Additional living expenses

Additional Options

  • Replacement Cost on Personal Property/Renters’ Contents
  • Special Coverage A Dwelling
  • Special Coverage C Personal Property
  • South Carolina Earthquake (coming soon)
  • Increased Loss Assessment (up to $50,000 – $5,000 included for online quoting; up to $100,000 for email quoting)
  • Water back-up and sump overflow
    • Limits: $5,000, $10,000, $25,000
  • Increased Ordinance or Law
  • Jewelry, furs, cameras, musical instruments (personal use only), silverware, golfer’s equipment, golf carts, fine art, postage stamps, rare and current coins, guns/firearms, bicycles
    • Can be written as a standalone policy or as a package policy
    • Appraisal requirements: jewelry $5,000+, all other items $10,000+
  • Excess Flood
    • All Flood Zones (excludes COBRA and non-participating communities)
    • Single family dwellings, 1-4 family dwellings, condo and townhomes
    • Flood Zone A and V require elevation certificates for quoting
    • Up to $5,000,000 TIV
    • No restrictions on coverage limits (can not be excess replacement cost of home; no minimum requirements)
  • Animal Liability (no vicious breeds)

Contact 1-877-275-9578 for more information

Email Quoting >

  • QuickHome generates a pre-filled application for agents with e-sign capability dependent on the specific state
  • Diligent effort form
  • State affidavit (if applicable)
  • Fire Marshal Report required if previous fire claim

Binding made easy with a centralized bind request e-mail, or call 877-275-9578.

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

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Top 5 Reasons to Partner with All Risks

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Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.