Affordable condo insurance in Boston.

We’ve been serving Massachusetts condo unit owners for decades, providing great insurance coverage that actually works for them. With direct relationships to top carriers like Mapfre, Progressive, Vermont Mutual, and more, we’ll help you compare options and find coverage that makes sense for you.

At Nobile, we combine local expertise with modern convenience. Our website makes it easy to request quotes, reach out to us, or manage your policy 24/7, without the hassle of phone tag. You’ll also find helpful resources like FAQs and our Client Portal & Knowledge Center to learn more about insurance.

Looking to bundle and save? See more on auto insurance.

Let’s start quoting.

Coverages and how they work

Some information sourced from Mapfre and Progressive | Last updated January 2026

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.

The cost of condo insurance

Last updated January 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.

See what our clients have to say.

  • Lisa G. (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!

  • Dr. B

    I have been using Nobile for cars since 1962 and homeowners since 1982. Staff is wonderful and service is fantastic.

  • Tenzin R.

    Team was very responsive and professional. I was able to save $800 on my auto policy. Would recommend Nobile Insurance!

  • Doug H.

    Our family has been with Nobile Insurance for as long as I can remember. In fact, we are second generation clients, and my children are third generation with Nobile. Their staff is extremely knowledgeable and always quick to go the extra mile to resolve any issues, even ones we have had with the RMV! They are the definition of friendly, fast customer service, and I would recommend them to anyone who needs homeowners or automobile insurance.

  • Dee N. (Verified Google Review)

    I’ve been a loyal customer of Nobile Insurance Agency for over 40 years, and that alone says a lot. Throughout the decades, they’ve consistently provided me with exceptional service, trusted advice, and peace of mind. Their team is knowledgeable, responsive, and genuinely cares about their clients. 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. I highly recommend them to anyone looking for reliability and integrity in an insurance agency.

  • M. Tramontozzi (Verified Google Review)

    Nobile has a team of knowledgeable agents who go the extra mile. With multiple cars and homeowners insurance policies, there are always questions, and the Nobile team is ready to get the answers and making sure we are properly covered. Having direct contact with the same people (instead of a customer service line where you never get the same person) reassures the value that the Nobile team brings to us and all their clients.

  • Doreen G. (Verified Google Review)

    I have been a long-time customer of Nobile Insurance Agency. It is a family-run business. I have always had excellent service from the agents that work there.

Explore condo insurance.

Visit Us

We have a location in the heart of the North End and one in Medford Square. Take your pick.

Medford Office

39 Salem Street
Medford, MA 02155

Boston Office

30 Prince Street
Boston, MA 02113

We’re open Monday through Friday from 9:00am to 4:00pm.

Medford

 

Boston

 

Let’s get started.

Condo Insurance FAQs

  • 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.

    See more on discounts here.

  • 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.

  • Yes. We offer a full range of commercial products, including commercial property policies.

    Learn more about our commercial insurance offerings here.