Insurance for Condo Owners

If you own a condominium as your primary residence, or use it as a vacation rental, your local Farm Bureau Insurance agent can customize an insurance policy to provide the coverage you need at an affordable price.

What a Condo Policy Covers

Many condominium associations insure the building itself, but as a condo owner, you are responsible for your individual unit. A condo insurance policy generally includes coverage for:

Dwelling Structures

If a covered loss causes damage to your unit's cabinetry, dry wall, fixtures or improvements that are part of the building contained within your unit, dwelling coverage would provide coverage up to the policy limits. Most policies offer a limited amount of dwelling coverage. Your Farm Bureau Insurance agent can review your policy limits and may recommend raising the basic limits depending on your specific needs.

Personal Property

Similar to a homeowner's policy, a condo insurance policy offers personal property coverage, which provides protection for items like your furniture, clothes, dishes and other personal property you own. The amount of coverage is based on a limit that you select.

Loss of Use

If a covered loss damages your condominium to the point where it's not safe to stay there, you'll need to find another place to live while repairs are made. A condo policy includes Loss of Use coverage to help pay for additional living expenses (up to the limits of your specific policy) if your home becomes uninhabitable due to a covered loss.

Personal Liability

Accidents may happen when someone is visiting your condominium. Personal Liability coverage provides protection against claims or lawsuits filed against you for accidental bodily injury and property damage for which you are legally liable.

Medical Payments to Others

If someone is injured while visiting you and they need medical attention, a condo policy will cover reasonable and necessary expenses, up to the policy limits. The injured person must be an invited guest who does not live with you.

Loss Assessment

If your condominium association levies an assessment against you, Loss Assessment coverage is available under a condo policy subject to the terms and conditions of the policy. Review your policy limits with a Farm Bureau Insurance agent who will help you determine if additional coverage may be needed based on your specific situation.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.

Other Coverage Options for Condo Owners

To better meet your individual needs, we offer several endorsements that can be added to your policy, including:

  • Boat and ATV (All Terrain Vehicles) Endorsement: This endorsement may be right for you if you would like to purchase physical and/or liability coverage for a small boat or an all terrain vehicle.
  • Personal Property Floater: This floater provides additional coverage over what is provided for within your condominium's policy for valuable items, such as jewelry, silverware and guns. Your local Farm Bureau Insurance agent can review your policy limits and help you determine if a personal property floater is right for you.
  • Seasonal Condo Rental to Others: This endorsement may be necessary if you plan to rent your condo or do not live in the unit throughout the year.
  • Identity Fraud: If you're a victim of identity theft, you don't want to be left holding the bill to clear your credit history and restore your name. An Identity Fraud endorsement to your condo policy pays for covered expenses (up to the limits of the policy) to help you restore your identity.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.

Benefits of Local Agents

Life is complicated enough without having to deal with an insurance company that has different rules and regulations for each state. At Farm Bureau Insurance, our South Carolina company only serves customers who live in South Carolina. As a part of your local community, your insurance agent better understands your wants and needs when it comes to insurance and the service you expect. In a complicated world, we do our best to make insurance uncomplicated.

Finding a Policy that Meets Your Needs

Because our Farm Bureau Insurance agents see you as a person and not just a policy, your agent will take the time to find out not only what type of coverage you need, but also help you stay within your budget. We can tailor an insurance policy that meets your needs without breaking the bank.

Your local Farm Bureau Insurance agent can answer your questions and help you select policy limits. Your agent can also help you identify any gaps in coverage that may leave you unprotected.

Helping You Switch to Farm Bureau Insurance

If you have a policy with another company and would like to switch to Farm Bureau Insurance, there is no need to wait until your current policy expires. A Farm Bureau Insurance agent can explain just how easy it is to change companies and answer any questions you may have. Get a Quote.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.

Why Choose Farm Bureau Insurance

At Farm Bureau Insurance, we see you as a person, not just as a policy number. Your Farm Bureau Insurance agent won't try to push a "one-size-fits-all" insurance policy on you, but will take the time to understand your unique needs, including your budget, and find the policy that is right for you. All across South Carolina, people turn to Farm Bureau Insurance because we offer affordable insurance coverage backed by the highest level of customer service you'll find anywhere in South Carolina.

When you purchase Farm Bureau Insurance you're showing your support for local, South Carolina farmers and helping to protect our supply of fresh, locally grown food. As a thank you, you gain access to a variety of discounts and benefits available to members of our Farm Bureau family.