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A standard policy insures the home itself and the things you keep in it.

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Auto insurance protects you against financial loss if you have an accident.

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Condo Insurance

Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement. 

Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let
us help you find the right amount of coverage to suit your insurance needs in Illinois or Wisconsin . Call us today at (847) 680-0888. We write policies for condos rented to others as well as owner occupied condos.

What you need to know about condo insurance

Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.

If you have upgraded cabinets, counter tops, or put in hardwood floors, condo building property protection coverage protects these investments. Make sure to have proof of any upgrades and what is in your unit in the event of a loss. Keep receipts and pictures of any upgrades you've done and document your personal property, keep the proof away from your home in the event of a total loss.

Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for.  If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible  on their association policy.

Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments.
If there's a major loss or if someone is seriously injured, the association policy might not have enough coverage so the unit owners will be required to pay a loss assessment. R Hobbs Insurance Agency can help you determine your coverage needs to make sure you’re properly covered.

Contact us for all of your insurance needs!

Illinois and Wisconsin residents, at R Hobbs Insurance Agency, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at (847) 680-0888 or send us a note at We want to help you meet your goals, and make sure what's important to you is protected!

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