Condo Insurance from Trendstar Insurance
Protect Your Condo and Everything Inside It

Owning a condominium comes with unique insurance needs that differ from traditional homeowners or renters insurance. At Trendstar Insurance, we specialize in helping condo owners across Maryland, Virginia, and Washington, DC get the right protection for their property, belongings, and liability.

What Is Condo Insurance?

Condo insurance—also known as an HO-6 policy—covers the parts of your unit that are not protected by your condo association’s master policy. While the master policy typically covers the building’s structure and common areas, it does not extend coverage to the interior of your unit, your personal property, or your personal liability.

That’s where Trendstar Insurance comes in. We help you fill in the coverage gaps, so you're not left exposed when the unexpected happens.

What Does Condo Insurance Cover?

A standard condo insurance policy from Trendstar Insurance typically includes:

• Interior Structure Coverage: Protects fixtures, walls, ceilings, and flooring that are part of your unit.

• Personal Property: Covers your belongings—furniture, electronics, clothing, appliances, and more—against theft, fire, water damage, and other covered losses.

• Loss of Use: Helps with temporary living expenses if your unit becomes uninhabitable due to a covered event.

• Personal Liability: Protects you if someone is injured in your unit or if you accidentally damage someone else’s property.

• Medical Payments to Others: Covers minor injuries to guests in your home, regardless of fault.

• Loss Assessment Coverage: Helps pay your share of costs if your condo association issues a special assessment for property damage or liability claims.

Why Choose Trendstar Insurance for Your Condo Coverage?

As a local, independent general insurance agency, Trendstar Insurance works with top-rated national and regional carriers to give you multiple coverage options at competitive rates. We understand the local real estate market and the specific needs of condo owners in our community. Our licensed agents are here to explain your policy, review your condo association’s master policy, and help tailor coverage to fit your lifestyle and budget.

What Factors Affect Your Condo Insurance Premium?

Several factors influence the cost of your condo insurance, including:

• Location and building type

• The amount of personal property coverage

• Your deductible

• Security features (like alarms and sprinklers)

• Your claims history

• Optional endorsements or add-ons

We’ll walk you through your options and help you find discounts you may qualify for.

Let’s Make Sure You’re Covered

Your condo is more than a home—it’s an investment. Let Trendstar Insurance help you protect it with the right coverage at the right price. Whether you're a first-time condo owner or reviewing your current policy, we’ll make the process simple and stress-free.

Contact Trendstar Insurance today to get a free quote and expert advice on condo insurance coverage.