Full coverage for your condo.
Comprehensive coverage built for rental property owners. Your unit is safe with Nobile, and so is your peace of mind.
Why you need condo insurance
Your condo association has a master insurance policy, but that policy does not fully protect you as an individual unit owner.
In Massachusetts, master policies typically cover the building and common areas, but they do not cover your personal belongings, personal liability, or many interior portions of your unit. Condo insurance helps fill these gaps and can also protect you if the association assesses unit owners for shared losses or large master policy deductibles.
Finding the right coverage at the right price shouldn't be complicated. At Nobile, we make it easy to get coverage that works for you.
Insuring a home? See more on home insurance.
100 years of trust. Here's proof.
"I've been a loyal customer of Nobile Insurance Agency for over 40 years, and that alone says a lot. Whether it's home, auto, or any other coverage, they've always made the process clear and easy. It's rare these days to find a company that still values long-term relationships, and Nobile absolutely does.
— Dee N. (Current Client & Verified Google Review)
“I have been with Nobile for over 15 years and they have handled both my personal and business insurance coverage. They have always gotten me everything I requested in a timely manner. Highly recommend them for your insurance needs.”
— Doreen G. (Current Client & Verified Google Review)
"So helpful and knowledgeable. My family has been using this agency for so long, I have to say for over 30 years. Each time I call them, I'm met with professionalism, helpfulness and knowledge. They know exactly what they're doing and always deliver exceptional service. Highly recommend!"
— Lisa G. (Current Client & Verified Google Review)
Here’s how it works.
Fill out a smart form.
On our free quote page, select a smart form option and we'll review your coverage and premium to improve or adjust it based on your needs. This lets us check for discounts and quickly compare rates across our carriers to find you the best price.
No policy? No problem. Just select "No" when asked and we'll get started.
We'll match you with a carrier.
We'll pair you with a carrier that offers the best combination of protection, price, and reliability. After we find the right fit, we'll send over a quick application for you to review and sign.
You're all set.
Once your application is complete, you'll receive proof of coverage and be fully insured. From there, we'll always be around to help with policy updates, claims, and anything else that comes up.
Already insured? No problem. We’ll review your coverage and compare rates to find you the best price.
Quotes are 100% free. No payment upfront needed.
The cost of condo insurance
Last updated May 2026
Premiums for condo insurance can vary based on several factors. It’s important to understand what affects the cost so you can get the best price for what you have. Here are some of the most common ways your premium may be impacted.
Location
Your condo’s location plays a major role in pricing. Condos located near the coast, in flood-prone areas, or in regions exposed to severe weather may cost more to insure. Proximity to fire stations and fire hydrants can also affect your rate, as can local crime statistics. Condos in lower-risk areas may benefit from lower premiums.
Association Requirements
Your condo association’s master insurance policy is one of the biggest drivers of your individual premium. The type of master policy determines how much of the unit’s interior you’re responsible for insuring. Associations may also require specific coverage limits, endorsements, or liability amounts, which can affect cost.
Claim History
Carriers consider your past claim or loss history when calculating your premium. Generally, the more claims on record, the more your premium may increase.
Personal Property and Unit Improvements
The value of your belongings and any upgrades inside your unit, like renovated kitchens, flooring, or custom cabinetry, can increase the amount of coverage needed and can impact your premium.
Discounts
Many carriers offer discounts that can help reduce your premium, such as bundling condo and auto insurance, having safety features like smoke detectors or security systems, or maintaining a claim-free history.
Coverages and how they work
Some information sourced from Mapfre and Progressive
On every Massachusetts condo policy, you’ll find a breakdown of your coverages, endorsements, and credits. Here’s how it works.
Standard Coverages
Dwelling coverage helps protect interior portions of your condo, including unit-owner improvements, fixtures, and finishes, depending on the association’s master policy.
Personal Property coverage protects your personal belongings inside your condo. Your electronics, furniture, clothing, and more are covered. For more expensive items like jewelry or collectibles, you may want to consider adding an additional endorsement called Scheduled Personal Property.
Loss of Use or Additional Living Expenses (ALE) coverage may provide cost relief if you’re unable to live in your condo while it’s being repaired or rebuilt. This may include hotel bills, restaurant meals, and other increased living costs.
Personal Liability coverage protects you if you’re found legally responsible for someone else’s injuries or have damaged their property.
Medical Payments coverage may pay someone’s medical bills if they’ve been injured on your property. This coverage is applicable to the inside and perimeter of the home.
Loss Assessment coverage helps pay your share of a covered loss or master policy deductible if your condo association assesses unit owners.
Other Coverages and Endorsements
You can choose to add other coverages to your policy depending on what you need. Here’s a few common ones.
Scheduled Personal Property
Personal Umbrella
Home Business Coverage
Water Backup Coverage
Increased Loss Assessment Limits
Coverage availability and limits vary by carrier and policy.
Risks to look out for
Certain features can raise your premium, such as older wiring or plumbing within your unit, specific dog breeds, or priorwater damage claims. Carriers may also consider building age, shared plumbing systems, and loss history within the association when evaluating risk.
Discounts for your condo policy
There are many ways to save on your condo policy. Here are some of the most common discounts and credits you may qualify for.
Condo Discounts
- Account Credit (Policy Bundles)
- Paid-In-Full Discount
- Loyalty Discount
- Claim Free Discount
- Alarm Credit
- Protective Device Discount
- Endorsement Combination Discount
Availability and amounts vary by carrier and policy. Eligibility factors apply. All discounts and credits may not be listed.
Last updated May 2026
Condo Insurance FAQs
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There are a few ways to help bring your premium down. Bundling your condo and auto policies with the same carrier is one of the most common. Increasing your deductible can also lower your premium, though it means you’ll pay more out of pocket if you file a claim.
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Because every condo is different, it’s difficult to provide a true average. Yearly condo insurance premiums, while usually cheaper than home insurance premiums, will depend on your home’s location, its size, your coverage amounts, and claim history.
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Yes. We offer a full range of commercial products, including commercial property policies.
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Condo insurance, also known as an HO-6 policy, covers your personal belongings, personal liability, and the interior of your unit including walls, floors, and fixtures. It does not cover the building structure itself since that's handled by your condo association's master policy. Think of it as covering everything from the walls in.
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Your condo association carries a master policy that covers the building structure, common areas, and shared spaces.
Your personal HO-6 policy picks up where the master policy stops, covering your unit's interior, your personal belongings, and your liability. The exact split depends on your association's bylaws, so it's worth reviewing them before you set your coverage limits.
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Yes. The master policy covers the building, not your unit or your stuff. If there's a fire, a burst pipe, or a theft, you're on your own without your own policy. Many condo associations also require unit owners to carry their own insurance as a condition of ownership.
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Massachusetts has no state law requiring condo owners to carry insurance. You won't face a fine or legal penalty for going without an HO-6 policy. But that's not the whole story.
If you have a mortgage, your lender will require proof of coverage before closing and for the life of the loan. And most condo associations in Massachusetts include an insurance requirement in their bylaws. So while the state doesn't mandate it, chances are someone else does.
Even if neither applied to you, we'd still strongly recommend it. Your association's master policy covers the building and common areas, not your unit, your belongings, or your liability. Without your own policy, you're absorbing all of that risk yourself.
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Not typically. Standard HO-6 policies are designed for owner-occupied units. If you're renting your condo out, you'll likely need a landlord or dwelling fire policy instead.
Ask us about it and we'll make sure you have the right coverage for how your unit is being used.
Learn more about insurance.
Already a Nobile client? You’re most likely receiving any discounts and credits you’re eligible for.