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Gateway Property and Casualty

642 Central Ave
Dover, NH 03820

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New Hampshire Insurance Blog

How condo insurance differ from home insurance

Breaking into the housing market can be challenging. If you are lucky enough to find a condo that is affordable and meets your needs, you will need to get condo insurance to protect your investment. At Gateway Property & Casualty in the Dover, NH metroplex, we have been providing an exceptional level of customer service since 2017. As independent agents, we offer more choices and work with you to personalize your policies to better meet your needs. 

Condo association master policy

The major difference between condo coverage and home insurance coverage is the fact that the exterior and public areas are insured by the condo association master policy. As a condo owner, you are responsible for the interior of the unit. You don’t have to pay to protect your roof or porch, these are covered by the master policy. Where your coverage begins is important for you to know. It can be "All in" or "Walls in". The policy that you choose needs to cover where the master policy leaves off. 

Property coverage

Whether you are responsible from inside your walls or from the walls in, you need property insurance that will cover your built-ins like the kitchen cabinets, appliances, fixtures in the bathrooms, and lighting. 


Content coverage is the same as home insurance. It covers your furniture, electronics, clothing, and personal items, whether they are in your condo or away from home with you. 


Your liability coverage protects you and your family members in your home or away. The master policy covers the liability for public areas like the parking lot, gym, or pool. 

Loss of use

This coverage is the same as home insurance. If your unit is damaged and you can’t live there, it will pay for a place for you to stay. 

We Are Here To Help

Contact Gateway Property & Casualty when you are ready to discuss your condo insurance needs in Dover, NH. 

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