Condo insurance is different from homeowners insurance — and it’s important to understand what you’re responsible for.

While your HOA master policy typically covers the building’s exterior and common areas, your condo insurance protects what’s inside your unit — including your personal belongings, interior upgrades, and liability exposure.

At Sandoval Insurance Agency, we help you understand the difference so you’re not left with unexpected gaps.

What Does Condo Insurance Cover?

Coverage options may include:

• Personal Property Coverage – Protects your belongings from theft, fire, and other covered losses.
• Building Item Coverage – Covers interior upgrades such as cabinets, flooring, or fixtures.
• Liability Protection – Protects you if someone is injured in your unit or if you’re legally responsible for damage.
• Loss Assessment Coverage – Helps protect you if your HOA assesses owners for shared damages.
• Additional Living Expenses – Helps cover temporary housing if your unit becomes unlivable after a covered loss.

Optional coverage such as replacement cost protection or umbrella liability can provide additional peace of mind.

Contact Sandoval First

Before relying solely on your HOA policy, let Sandoval review your agreement and coverage needs to make sure you’re properly protected.

📍 Chickasha Office
416 Washington Ave., Chickasha, OK 73018
📞 Chickasha Office: 405-302-8324

📍 Lawton Office
1411 W. Gore Blvd., Lawton, OK 73501
📞 Lawton Office: 580-353-0333

Call now for assistance.