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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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Condo Insurance in Minnesota


Condo life has so many perks. Property taxes, significant home repairs, maintenance, and other expensive taxes are just a few of things you can avoid by living in a condo. However, what many condo owners and renter's do not realize is that insurance is still a critical topic for them. At Deluxe Insurance Group, serving Duluth, MN, we love to take the opportunity to help you navigate these insurance questions. Keep reading to learn what you need to know about condo insurance in Minnesota.

What is Condo Insurance?

Condo insurance is a type of coverage specially designed for those who rent or own a condo. A condominium is a unique type of property, and that is why it is important to understand how insurance works for condos. The condominium complex in which you live will have insurance for the property. You may even notice that you pay fees toward this coverage. However, you should understand that the property insurance on the condominium complex only covers the physical property and common areas. It does not include anything within the walls of your personal condo.

Condo insurance is a type of policy that you will take out personally to protect your personal belongings within the condo. In some cases, the policy can also cover certain aspects of the interior of the condo as well. In order to understand exactly what will be included in your policy, you will need to sit down with an insurance representative and go over the details.

What Does Condo Insurance Cover?

Condo insurance policies in Minnesota can be customized to meet your specific needs, but in general, the policy will cover these general areas:

  • Personal Property - If your personal property is damaged or lost due to natural disaster, fire or burglary, the policy will pay to have your items repaired or replaced.
  • Personal Liability - If someone is hurt in your condo, the insurance can pay for expenses related to the incident.

If you would like to learn more, please contact our staff at Deluxe Insurance Group, serving Duluth, MN.

Partner Carriers


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  • Acuity
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  • Kemper
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  • MetLife
  • Nationwide
  • North Star
  • Progressive
  • Ram
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Woodland