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Encompass® Condo Insurance

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The right kind of coverage for your condo

Do you know where your condo association’s coverage ends and your own coverage begins? Encompass can help fill in the gaps, so whether your place is downtown or in the suburbs, you can enjoy customized protection that fits your needs.

Encompass condo insurance offers:

Standard features

BUILDING PROPERTY PROTECTION

Covers the portion of the condo structure that the insured is responsible for.

ADDITIONAL LIVING EXPENSES

Covers increase in living expenses, from hotel accommodations to restaurant bills, if your condo is uninhabitable after a covered loss.

PERSONAL PROPERTY PROTECTION

Covers the contents of your condo like furniture or clothing in case of an incident such as fire or theft.

FAMILY LIABILITY PROTECTION

Helps protect you or your family member if you are held legally responsible for an injury or for damaging someone else’s property.

GUEST MEDICAL PROTECTION

May help pay for necessary medical expenses including surgery, x-rays and dental work if a guest is injured on your property.

LOSS ASSESSMENTS

Covers the repair assessment if something happens to your Homeowners Association’s shared buildings or common areas due to a covered loss. Also covers assessments resulting from liability.

HOME SHARING

Provides additional protection for home-sharing hosts, rentals and personal property in the event of theft or damage.

WATER BACK-UP

Pays for water damage caused by backed up sewers, drains or sump pumps.

SCHEDULED PERSONAL PROPERTY

Provides increased coverage to the condo policy and may increase the limits on specific, high-value items like jewelry, fur and art.

OPEN PERIL CONTENTS

Broadens coverage to provide additional protection against loss to contents.1

IDENTITY THEFT EXPENSE

Covers expenses resulting from identity fraud, such as lost wages and loan application fees.

PERSONAL INJURY LIABILITY COVERAGE

Covers claims such as libel, slander, invasion of privacy, false arrest, humiliation or defamation of character.

BUILDING CODE COVERAGE

Covers increased costs due to the enforcement of any building codes, ordinances or laws regulating construction, maintenance or demolition of your condo, when discovered in the event of a covered loss.

ELECTRONIC DATA RECOVERY

Covers recovery of lost data, like family photos, videos and music, from computers in the event of a covered loss.

FIRE DEPARTMENT CHARGES

Increases limits beyond the base policy for the fee a fire department may charge when responding to a call after a covered incident.

PERSONAL PROPERTY REPLACEMENT COST REIMBURSEMENT

Provides replacement of the like, kind and quality of your contents, rather than the depreciated actual cash value, up to the limits of the policy.

MULTI-POLICY

Save on your condo policy just for having your auto policy with Encompass.

CLAIM FREE

Applies if you are claim-free for the past five years.

PROTECTIVE DEVICES

Applies if your condo has additional protection against fire, theft and water.

HOME BUYER

Eligible if you have recently purchased your condo.

It’s your policy—we can help you customize it.

Talk to an Encompass Independent Agent about an Encompass condo insurance policy to fit your lifestyle.

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