Condo Unit Owners
Owning a condominium combines the benefits of homeownership with the convenience of shared living—but it also creates unique insurance needs. Riemer Insurance Group offers tailored coverage for condominium unit owners, ensuring your personal property, interior finishes, and liability are fully protected where your association’s master policy stops.
Typical Risk Scenarios We Help Solve
Water damage from an upstairs unit, theft of personal belongings, damage to upgraded interiors, or unexpected assessments after a storm—Riemer ensures your condo coverage responds where your association’s policy ends.
Why Choose Riemer?
At Riemer, we understand the details that make condo coverage different from a standard homeowners policy. Our advisors review your association’s bylaws and master insurance policy to identify coverage gaps and ensure seamless coordination between your personal and association protections.
We partner with top carriers known for serving high-value condo owners—offering broader coverage, higher limits, and concierge-level claims support. Whether your condo is a beachfront retreat or a downtown residence, Riemer provides protection that’s as sophisticated as your lifestyle.
Who We Cover
Riemer provides customized condo insurance solutions for:
-
Individual condominium and townhouse owners
-
Seasonal or secondary condo residents
-
Owners of high-value or luxury condo units
-
Investors with tenant-occupied condominium properties
-
Retirees and downsizers seeking simplified protection
Core Coverages
Our condominium unit owner insurance programs are designed to fill the gaps left by association master policies—protecting what’s uniquely yours. Coverage can include:
-
Building Property Coverage (“Walls-In”) – Protects your unit’s interior: walls, floors, ceilings, built-ins, and upgrades not covered by the association
-
Personal Property Coverage – Covers your belongings, furnishings, and valuables from fire, theft, water damage, and more
-
Loss Assessment Coverage – Protects against special assessments levied by your association after a covered loss (e.g., storm, liability claim)
-
Personal Liability – Covers injury or damage for which you are legally responsible, such as accidents in your unit or on your balcony
-
Additional Living Expenses – Pays for temporary housing if your unit becomes uninhabitable after a covered loss
-
Water & Sewer Backup Coverage – Protects against costly damage from backed-up drains or sump overflow
-
Equipment Breakdown – Covers essential systems like HVAC, appliances, or smart home devices against mechanical or electrical failure
-
Optional Endorsements – Jewelry, fine art, collectibles, or high-value electronics can be added for specialized protection