Your local Allstate agents
Condo Insurance in Gladstone & North Kansas City
Your HOA's master policy protects the building. A condo policy helps protect the parts that are yours: your unit's interior, your belongings and your personal liability. We'll help you see where one ends and the other begins.
- HO-6 coverage
- Loss assessment
- Belongings
- Liability
Why get your condo quote with us
- Local Allstate agents you can call or visit
- Help reading your HOA master policy
- Gladstone office licensed in Missouri and Kansas
- North Kansas City office licensed in Missouri, Kansas and Iowa
- Start your free quote →
Condo insurance vs. your HOA master policy
Most condo associations carry a master policy, but it rarely covers everything. Knowing what it includes helps you choose the right condo (HO-6) coverage, without paying for overlap or leaving gaps.
Usually covered by the HOA master policy
- The building's shared structure, like the roof and exterior walls
- Common areas such as hallways, lobbies and grounds
- The association's liability for shared spaces
Usually covered by your condo policy
- Your unit's interior, like walls, floors, cabinets and fixtures (depending on your HOA)
- Your personal belongings
- Your personal liability
- Your share of an HOA loss assessment
What a condo policy can help protect
Your unit
Helps repair or rebuild the parts of your unit you're responsible for after a covered loss, like a fire or a burst pipe.
Your belongings
Personal property coverage helps replace furniture, electronics, clothes and more, at home or on the go.
Your liability
Can help if someone is hurt in your unit or you accidentally damage a neighbor's unit and you're found responsible.
Loss assessment
Helps pay your share when the HOA assesses owners for a covered loss to shared property that its policy doesn't fully cover.
Additional living expenses
Can help with costs like a hotel if a covered loss makes your condo unlivable while it's repaired.
Bundle with auto
Insure your condo and car with Allstate and you may qualify for a multi-policy discount, with one local agent for both.
Local help for Northland condo owners
From condos and townhomes in Gladstone and North Kansas City to communities in Liberty, Parkville, Riverside and across the Kansas City Northland, we help owners make sense of their HOA rules and choose coverage that fits. We also help condo owners across Missouri and Kansas, and our North Kansas City office serves Iowa too.
Own a home instead? See our home insurance page, or request a free quote for any policy. Ask about flood insurance and earthquake insurance too, since condo policies usually exclude both.
Condo insurance FAQ
What does condo insurance (HO-6) cover?
A condo policy, often called HO-6, can help cover the inside of your unit that you own, such as walls, floors, cabinets and fixtures, depending on your HOA's rules. It also helps cover your personal belongings and includes personal liability coverage. We'll walk through what applies to your unit.
Doesn't my HOA's master policy already cover my condo?
The HOA master policy usually covers the building's shared structure and common areas, like the roof, hallways and grounds. It usually does not cover your belongings or your personal liability, and depending on the type of master policy, it may not cover the interior of your unit. Ask your HOA for a copy of the master policy and we'll help you compare it with your condo coverage.
What is loss assessment coverage?
If your association has a covered loss to a shared area and the cost is more than its master policy pays, the HOA may split the difference among owners. Loss assessment coverage on your condo policy can help pay your share, up to your limit.
Does condo insurance cover water damage?
Many condo policies can help with sudden and accidental water damage, like a burst pipe. Flood damage is usually not covered and needs a separate flood policy. We'll go over what your policy covers and what it doesn't.
Can I bundle condo and auto insurance?
Yes. When you insure your condo and car with Allstate, you may qualify for a multi-policy discount, and you have one local agent for both policies.
Which states do you write condo insurance in?
Our Gladstone office is licensed in Missouri and Kansas. Our North Kansas City office is licensed in Missouri, Kansas and Iowa.
Get your condo insurance quote
Send us a quick request, or call the office nearest you.
