Own a Condo? Don’t Assume You’re Fully Covered.
Condo living can be carefree, but your coverage shouldn’t be careless. Many condo owners assume their HOA policy has them protected, only to find out (too late) that it stops at the drywall.
At KilGO Insurance, we help you fill in the gaps with condo insurance that covers what the HOA doesn’t, so you can relax without worrying about what’s not in the fine print.
What Condo Insurance Covers:
- Interior Structure (Walls-In Coverage): Covers what’s inside your unit, like drywall, flooring, cabinetry, and fixtures.
- Personal Property: Protects your belongings from theft, fire, and other common perils.
- Liability Protection: Covers legal expenses if someone is injured inside your condo.
- Loss of Use: Pays for hotel/rental costs if your unit becomes unlivable due to a covered loss.
- Loss Assessment: Helps cover your portion of a shared HOA claim (like storm damage to the building)
KilGO Tip:
Your HOA’s “master policy” may cover common areas, but probably not your kitchen cabinets or water damage from the unit above. We’ll review it with you and make sure nothing slips through the cracks (literally).
Why KilGO?
- Local experience. We understand Richmond area HOAs, high-rises, and rowhouse conversions.
- Policy reviews with real humans. We’ll read your HOA docs, so you don’t have to.
- Bundle potential: Save more when you combine with auto, umbrella, or landlord policies.
Serving Condo Owners in Richmond, Midlothian, Chesterfield & Henrico
Whether you’re in a modern building in the Fan or a gated condo community in Glen Allen, we’ll tailor coverage to fit your unit, your budget, and your HOA’s specifics.
