Your HOA’s policy usually covers only the exterior and shared spaces — not your unit’s interior or your personal belongings.
Walls-In Coverage:
Protects the things that make your home yours — flooring, cabinets, fixtures, and appliances — areas the HOA won’t cover.
Personal Property & Liability:
Ensures your belongings are protected and covers you if a guest is injured or if damage spreads to another unit.
Loss Assessments:
Helps pay your share of unexpected HOA special assessments after a major claim.
Optional Add-Ons:
Customize your coverage with options like water backup, flood, or extra protection for valuables.
👉 At E&S Insurance Group, we close the gaps left by HOA policies and provide coverage tailored to your condo or townhome, so you can live worry-free.