Smart Coverage for City Living—Backed by Local Expertise
Condo Insurance
Reliable Condo Insurance, Tailored for You
Owning a condo in Boston comes with unique responsibilities—and unique risks. Whether you're living in South Boston, Jamaica Plain, Roslindale, or the South End, James W. Hennigan Insurance Agency helps you protect what’s inside your walls with personalized, competitively priced condo insurance.
We understand how condo policies work—and, just as importantly, what they don’t. Our team will walk you through the details, answer your questions in plain language, and make sure you’re not overpaying for the protection you need.
Why You Need Condo Insurance
Your condo association's master policy may cover the building’s structure and shared areas—but not your personal unit. That means upgrades, personal belongings, and liability claims may be your responsibility.
Our policies fill those gaps—helping Boston condo owners secure
flexible coverage that reflects the real value of their home and lifestyle.
What Does Condo Insurance Cover?
Building Property Coverage
Protects your unit’s interior—floors, cabinets, built-ins, and upgrades.
Personal Property Coverage
Covers furniture, electronics, appliances, and valuables.
Loss Assessment Coverage
Helps pay for your share of repairs to common areas when the association’s coverage falls short.
Liability Protection
Covers legal and medical expenses if someone is injured in your unit or you accidentally cause property damage.
Loss of Use
Covers hotel stays, meals, and related expenses if your condo becomes temporarily uninhabitable after a covered loss.
Frequently Asked Questions
What does condo insurance cover that the master policy doesn’t?
Your condo association typically insures the structure and common areas—but not the inside of your unit or your belongings. Condo insurance adds critical protection for your personal property, improvements, and liability. Call us today and we’ll review your building’s master policy to help identify what you need.
Is condo insurance required in Boston?
Most mortgage lenders require it, and many associations strongly recommend it. Even if you own your unit outright, condo insurance is the smartest way to protect your investment. We’re happy to review your situation and get you covered fast.
How much does condo insurance cost in the Boston area?
Costs vary based on your unit’s location, the building type, and coverage level. We’ll shop top carriers to find the most competitive rates for your condo.
Do I need loss assessment coverage?
If a common area—like a roof or lobby—is damaged and your building’s insurance doesn’t fully cover it, you could be responsible for a portion of the repair bill. Loss assessment coverage can save you thousands. Want to know if you need it? Let’s take a look together.
