Understanding Condo Insurance
Why Condo Owners Need Specialized Coverage
Owning a condo in Myrtle Beach offers the perfect mix of homeownership and convenience, but it also comes with unique insurance needs. Unlike a standalone house, condos often fall under a homeowners association (HOA) policy, which only covers shared areas like hallways, roofs, and exteriors—leaving your personal unit and belongings at risk.
This is where a dedicated condo insurance policy (HO-6 insurance) comes in. Moore & Associates Insurance helps condo owners in Myrtle Beach and the Grand Strand fill the coverage gaps, ensuring that their personal property, interior structures, and liability are fully protected.
What Does Condo Insurance Cover?
Essential Protections for Your Unit and Belongings
A comprehensive condo insurance policy should include the following coverages:
- Interior Unit Coverage – Protects fixtures, flooring, cabinets, and any upgrades inside your condo.
- Personal Property Protection – Covers furniture, electronics, clothing, and valuables in case of fire, theft, or storm damage.
- Liability Insurance – Provides coverage if someone is injured inside your condo and sues for damages.
- Loss of Use Coverage – Pays for temporary living expenses if your unit becomes uninhabitable due to covered damage.
Because Myrtle Beach is in a coastal zone, some condo owners may need additional windstorm or flood insurance, depending on their location and HOA coverage. Our team will review your association’s master policy to ensure you have the right amount of protection for your specific situation.
Find the Best Condo Insurance Rates
Request a Free Quote Today
Don’t assume your HOA insurance is enough—protect your investment with a tailored condo insurance policy. At Moore & Associates, we compare rates from top insurance providers to find you the best coverage at the most competitive price.
Let us help you secure the right condo insurance policy. Request a free quote today and gain peace of mind knowing your home is fully protected.