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Protect Your Belongings. Cover What Your HOA Doesn’t.
Condo Insurance in San Diego & Chula Vista
Your condo association covers the building — but not your stuff. Condo Insurance helps protect your personal property, upgrades, and liability inside your unit. Preferred Property & Casualty brings 25+ years of experience helping California condo owners fill coverage gaps with confidence.
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What’s Covered
Designed to Fit the Way You Live
Personal Property
Covers your belongings — from appliances and furniture to clothes and electronics — if they’re damaged or stolen.
Interior Fixtures & Improvements
Protects any upgrades, flooring, cabinetry, or custom features not covered by your condo association.
Liability Coverage
Pays medical bills or legal expenses if someone is injured in your unit — or if you cause damage to another condo owner’s property.
Loss of Use
Helps cover temporary housing, meals, and expenses if your unit becomes unlivable due to a covered loss.
Built for California Condo Owners & Renters
Simple, Affordable Protection
Condo insurance is often inexpensive — and it can save you thousands if the unexpected happens.
Know What Your HOA Covers — and What It Doesn’t
We help you understand what’s excluded from your master policy, so your personal coverage actually fills the right gaps.
Local Support. Custom Fit. Reliable Carriers.
We work with top-rated insurers and explain your options clearly — so you feel confident, not confused.
Common Questions
Do I need condo insurance if my HOA has a policy?
Yes. Your HOA’s policy covers the exterior and common areas — not your personal belongings or liability inside your unit.
Does condo insurance cover water damage?
It may cover damage from sudden water events like pipe bursts — but not flooding. We’ll help you explore additional coverage if needed.
Is condo insurance required by law?
No, but mortgage lenders often require it. Even without a loan, it’s a smart way to protect your investment.
Let’s Get You Covered
We make condo insurance simple, personalized, and designed to fit where your HOA coverage stops.
Based in San Diego and proudly serving clients throughout Chula Vista and across California. We’re also licensed to support condo owners in Oregon and Washington.
