Condo and Townhouse Insurance in Des Moines and Clive, Iowa
If you own a condo or townhouse in the Des Moines metro, Absolute Insurance Agency can help you protect it. We are an independent agency in Clive, Iowa serving Des Moines, Clive, Urbandale, and West Des Moines, and because a condo is one of the largest investments you will make, our agents compare carriers to find the right coverage at a fair price.
What does condo and townhouse insurance cover?
Condo insurance, often called an HO-6 policy, covers what your homeowners association master policy does not. It protects the inside of your unit, your belongings, and your liability.
How is condo insurance different from homeowners insurance?
A condo policy covers the inside of your unit and your belongings, while the association's master policy covers the building and shared areas. Absolute Insurance helps you read your association's master policy so your HO-6 fills the right gaps, no more and no less.
Can I insure jewelry, guns, and collections?
Yes. Standard policies place special limits on high-value items, so fine art, guns, collections, jewelry, furs, and watches often need to be scheduled for full protection. An Absolute Insurance agent will guide you on what to schedule and how.
Get a condo or townhouse insurance quote
Request a free quote online, call Absolute Insurance at 515-279-2722, or email service@insaia.com. Our agents compare options across 15 to 20 carriers to match you with the right coverage at a competitive price.
Frequently asked questions
HO-6 is the condo owner policy that covers the interior of your unit, your personal property, liability, and loss assessment, filling the gaps your association's master policy leaves.
No. The association's master policy covers the building and shared areas, while your condo policy covers the inside of your unit and your belongings.
Often yes. Standard policies limit coverage on high-value items like jewelry, guns, and collections, so scheduling them ensures full protection. An Absolute Insurance agent can help.
