Montana Condo Insurance: Smart Protection for Your Space

Owning a condo comes with its own set of responsibilities—and your insurance should reflect that. At Summit Insurance, we help condo owners across Montana protect what matters most: their personal belongings, upgrades to their unit, and financial well-being.

Unlike traditional homeowners insurance, condo insurance is designed to complement your condo association’s master policy. It covers the things the HOA doesn’t—like your personal property, custom improvements, and liability for accidents inside your unit.

What Does Condo Insurance Cover?

Your policy typically includes:

• Personal Property Protection – Coverage for furniture, electronics, clothing, and other belongings. You can choose Full Value Replacement, which reimburses you for the full cost of lost or damaged items, with no depreciation deduction.
• Improvements & Upgrades – Made upgrades like hardwood flooring, granite countertops, or built-in shelving? These may not be covered by your association's policy. That’s where building item coverage steps in.
• Additional Living Expenses – If a covered event forces you to temporarily move out, your policy can help cover hotel stays, meals, and other expenses during the repair period.

Know What Your HOA Covers

Every condo association is different, so it’s important to review your HOA’s insurance policy. Some cover only the building’s structure; others extend coverage into the unit’s walls. If damage occurs in shared areas, you could be responsible for part of the repair costs. That’s where loss assessment coverage comes in—it helps cover assessments levied against condo owners for things like roof repairs or disaster deductibles.

We’ll help you determine the right limits for your policy based on your HOA’s guidelines and your financial exposure.  We have read almost every variation of a Condo Declaration, so believe us, we’ve seen it before.

Liability Coverage for You and Your Guests

Accidents can happen—whether it’s a visitor slipping in your kitchen or your dog damaging a neighbor’s property. Your policy includes personal liability protection, which can help cover legal fees, medical bills, or repair costs if you're found responsible for injury or damage.

You can also add medical payments coverage, which pays for injuries a guest sustains in your condo, regardless of who is at fault.

Add Extra Protection Without Breaking the Bank

If you have high-value items like fine art, jewelry, or collectibles, consider Valuable Items Coverage. This option offers expanded protection with no deductible. And for broader personal liability protection, adding an umbrella policy is a smart, affordable move.

Let’s Find the Right Coverage for Your Condo

At Summit Insurance, we understand that every condo owner’s needs are different. Whether you're in downtown Missoula or a mountain-side complex in Bozeman, we’ll help you find the best combination of coverage, value, and cost.

Reach out today for a custom quote and expert guidance on Montana condo insurance that fits your lifestyle.

Get a Free Condo Insurance Quote