Condo Insurance

As a condo owner, your condo association probably has a master insurance policy that covers the building. However, this policy likely doesn’t cover your personal property, private structures or property that’s your responsibility under your property owner’s agreement, updates or improvements you’ve made to your condo, personal liability, or legal costs if something happens in your condo and you’re sued. Having your own insurance policy to enhance the master policy of your building ensures that you’re covered, just in case.

Our condo insurance policies provide comprehensive coverage with the following features:

• Replacement cost coverage, covers you in case you experience a covered loss in your condo that may not be covered by the master insurance policy. This includes any improvements or upgrades you’ve made to your condo and personal property you own (like your furniture, for example).
• Loss assessment protection covers you in case a common area is damaged from a covered loss and the damage isn’t entirely covered by the condo’s master insurance policy. For example, if an elevator sustains damage from lightning and the cost to fix it exceeds what the master policy covers, you and other condo owners may be asked to contribute to make up the difference. With loss assessment coverage, you may not have to pay out of pocket if something like this occurs.
• Liability protection protects your assets from personal liability, if someone is hurt or their property is damaged and you’re held responsible.
• Legal defense covers court costs if you’re sued for a covered claim. We’ll help you pay for attorneys, document preparation, or other related expenses.
• Your personal belongings are covered worldwide, so that no matter where you are, you’ll be covered if they are damaged or stolen.

Water backup coverage is optional coverage that will pay for loss if water backs up and damages your condo or belongings. Coverage includes back up through sewer or drains and sump pump overflow.

Yes, you may be eligible for an additional discount because of your employer or your membership to certain associations or group. We recommend entering your employer or association name when you are quoting so that we can offer you the best possible price.

There are a few ways you can save on your condo insurance with MetLife Auto & Home: •

• Safety discounts are available in most states. Your premiums will be lower if your condo has fire prevention systems, such as fire alarms, automatic sprinkler systems, smoke detectors, and fire extinguishers. Theft prevention systems, like central burglar alarms and deadbolt locks, may also qualify you for discounts.
• Bundle your auto and home insurance. Consider purchasing a home policy with an auto policy from MetLife Auto & Home—it could save you up to 10%. Check out our Bundle and Save page for more details.
• Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that you’re financially able to pay your deductible if you have a loss.

MetLife Auto & Home has arranged with Crawford Contractor Connection network to provide construction repairs. Your claim service associate can check to ensure that this service is available in your area and schedule an inspection of your property. The network provides:

• Over 2,200 certified General/Specialty contractors nationally
• A two-year warranty on materials and labor provided
• Continuous contractor credentialing process
• Worker's comp. insurance protection for the contractors
• Strictly monitored performance standards

We are enhancing our online insurance platform and, during this time, you will be able to view and print your policy documents and make one-time payments on your policy.  For all other servicing requests, contact our customer service center for assistance.  To report a claim, please contact our 24/7 Claims Department at 1-800-854-6011.