Condo Insurance in Missouri

Owning a condo offers great convenience, but it also comes with specific insurance needs. Condo insurance is designed to protect your individual unit, your belongings, and personal liability while complementing your condo association's master policy. At Morehead Agency in Lee's Summit, MO, we help Missouri condo owners find coverage that protects what matters most to them.

What Does Condo Insurance Cover?

Condo insurance commonly includes coverage for your personal possessions, the interior features of your unit, and liability protection. Key areas a condo policy protects include:

• Personal Property: Covers belongings such as furniture, electronics, and clothing against theft or damage.
• Interior Unit Coverage: Protects features like flooring, cabinetry, and fixtures.
• Liability Coverage: Offers protection if someone is injured in your unit or if you accidentally damage someone else's property.
• Additional Living Expenses: Helps with housing costs if your unit becomes uninhabitable due to a covered peril.

Condo Insurance vs. Condo Association Policies

While your condo association's master policy generally covers common areas such as lobbies, roofs, and shared spaces, it does not extend coverage to the interior of your unit or your personal belongings. Condo insurance is vital to fill that gap and provide the personalized protection you need. Reviewing your master policy is crucial to understanding what's covered and what isn't—something we can assist with at Morehead Agency.

Contact Morehead Agency for Your Condo Insurance Needs

Protect your condo with reliable insurance coverage. At Morehead Agency in Lee's Summit, MO, our team is ready to guide you through your options and answer all your questions. Visit our Contact Us page today to connect with an experienced agent or learn more about Missouri condo insurance.