Condo Condominium Insurance

Town Home Townhome Insurance

Condo Condominium insurance and Town Home insurance

You may not need to mow the lawn or shovel the walkway, but it's still important to protect your condo or town home with insurance. Get dependable coverage for your belongings and yourself with our condo insurance. Once you know what your condo association ot townhome association covers and requires, one of our agents can help guide you through the rest.

Get extra insurance coverage for your condo for extra-serious problems.

In addition to your condo insurance policy there are a few other policies you may want to consider to help protect against bigger issues you could face. Talk to one of our agents about protecting your belongings against flooding and keeping your assets safe if you're hit with a hefty lawsuit.

When you own a townhouse or condo, your condo association plays an integral role in determining what kinds of insurance coverage you need. Some complexes' master policies only cover the exterior building and common areas, while others take care of things like your flooring, cabinetry or light fixtures.

In either case, you're responsible for keeping yourself and your personal belongings safe. Our What's Your Stuff Worth? tool can help you understand the value of your belongings, so you can make more informed choices about your condo insurance coverage. One of our agents can answer your questions about common condo or town home coverage types, like:

Personal property coverage
Covers the possessions inside your condo or townhome, like furniture, electronics and clothes, if they’re damaged due to a fire, smoke, vandalism or other covered peril.

Liability coverage
If someone sues you after being injured on your property, this helps cover your legal costs.

Guest medical coverage
Covers x-rays, ambulance rides and other reasonable and necessary medical expenses if someone injures him- or herself while on your property.

Reimbursed living expenses
Reimburses you for additional living costs if a covered loss makes your condo or town home uninhabitable. It typically takes care of food, a temporary place to live and more.

Building property protection
Covers belongings that aren't typically considered personal property, like cabinetry and appliances. These items are occasionally already covered on your condo association's master policy.

Loss assessment coverage
If something happens to your condo's shared building or common areas that exceeds the condo association's insurance limits, all unit owners may be required to pay an assessment toward repairs. This add-on covers your share of the loss assessment.

Identity restoration coverage
It can be hard to recover financially if you become a victim of full-blown identity theft. Adding this coverage to your condo policy arms you with a fraud specialist to help.

Check out the discounts that you can get for your
condo insurance town home insurance policy

It doesn't matter if you're in a cozy little condo or townhome or sleek, bustling high-rise—everyone loves a good discount. We have plenty you can take advantage of for your condo insurance. See what you qualify for and start maximizing your savings for your policy.

Multi-policy discount
Save between 5% and 15% when you bundle your condo insurance with one of our auto insurance policies.

Protective devices discount
If you install or already have safety devices in your condo, like smoke alarms, fire extinguishers or a security system, you'll save up to 15%.

55 and retired discount
Are you retired and not currently seeking full-time employment? Get a discount of up to 25%.

Home buyer discount
If you just purchased a condo or town home that is a new construction, you can save.
Call us today for your free condo condominium or 
townhome town home insurance quote
(952) 473-2110

 If you like the numbers that we send you - you can start your new condo insurance
or town home insurance policy over the phone.  It's that simple!


MINNESOTA cities that the Jim Harper Insurance Agency serves:

Afton, Albert Lea, Andover, Annandale, Anoka, Anoka County, Apple Valley, Arden Hills, Austin, Bayport, Bethel, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Corcoran, Cottage Grove, Cross Lake, Crystal, Dakota County, Dayton, Deephaven, Delano, Dellwood, Detroit Lakes, Duluth, Eagan, Eden Prairie, Edina, Elk River, Excelsior, Fairmont, Falcon Heights, Faribault, Farmington, Forest Lake, Fridley, Fergus Falls, Gem Lake, Golden Valley, Grand Rapids, Greenfield, Greenwood, Hamel, Hastings, Hennepin County, Hibbing, Highland Park, Hopkins, Independence, Inver Grove Heights, Lake Elmo, Lakeland, Lakeville, Lauderdale, Lexington, Lilydale, Lino Lakes, Little Canada, Long Lake, Loretto, Mahnomen, Mahtomedi, Mankato, Maple Grove, Maple Lake, Maple Plain, Maplewood, Mayer, Medina, Mendota Heights, Minneapolis, Minnetonka, Minnetonka Beach, Minnetrista, Monticello, Mound, Mounds View, Navarre, New Brighton, New Hope, Newport, North Mankato, North Oaks, North St. Paul, Norwood, Oakdale, Orono, Plymouth, Prior Lake, Ramsey, Ramsey County, Richfield, Robbinsdale, Rochester, Rockford, Rogers, Rosemount, Roseville, Savage, Shakopee, Shoreview, Shorewood, South St. Paul, Spring Lake Park, Spring Park, St. Anthony, St. Bonifacius, St. Cloud, St. Croix, St. James, St. Louis Park, St. Michael, St. Paul Park, Stillwater, Tonka Bay, Vadnais Heights, Victoria, Waconia, Washington County, Watertown, Wayzata, West St. Paul, White Bear Lake, Woodbury, Worthington, Wyoming, Young America, Zimmerman.
WISCONSIN cities that the Jim Harper Insurance Agency serves:

Allouez, Appleton, Ashwaubenon, Baraboo, Beaver Dam, Bellevue, Beloit, Brookfield, Brown Deer, Burlington, Caledonia, Cedarburg, Chippewa Falls, Cudahy, De Pere, Eau Claire, Fitchburg, Fond du Lac, Fort Atkinson, Franklin, Germantown, Glendale, Grafton, Grand Chute, Green Bay, Greendale, Greenfield, Hartford, Howard, Hudson, Janesville, Kaukauna, Kenosha, La Crosse, Little Chute, Madison, Manitowoc, Marinette, Marshfield, Menasha, Menomonee Falls, Menomonie, Mequon, Merrill, Middleton, Milwaukee, Monroe, Mount Pleasant, Muskego, Neenah, New Berlin, Oak Creek, Oconomowoc, Onalaska, Oshkosh, Pewaukee, Platteville, Pleasant Prairie, Plover, Port Washington, Racine, Richfield, River Falls, Sheboygan, Shorewood, South Milwaukee, Stevens Point, Stoughton, Suamico, Sun Prairie, Superior, Two Rivers, Watertown, Waukesha, Waunakee, Waupun, Wausau, Wauwatosa, West Allis, West Bend, Weston, Whitefish Bay, Whitewater, Wisconsin Rapids.

IOWA cities that the Jim Harper Insurance Agency serves:
Altoona, Ames, Ankeny, Atlantic, Bettendorf, Boone, Burlington, Carroll, Cedar Falls, Cedar Rapids, Charles City, Clear Lake, Clinton, Clive, Coralville, Council Bluffs, Creston, Davenport, Decorah, Denison, Des Moines, Dubuque, Estherville, Fairfield, Fort Dodge, Fort Madison, Grinnell, Hiawatha, Independence, Indianola, Iowa City, Johnston, Keokuk, Knoxville, Le Mars, Maquoketa, Marion, Marshalltown, Mason City, Mount Pleasant, Muscatine, Nevada, Newton, Norwalk, Oelwein, Oskaloosa, Ottumwa, Pella, Perry, Red Oak, Sioux Center, Sioux City, Spencer, Storm Lake, Urbandale, Washington, Waterloo, Waverly, Webster City, West Des Moines.

Our insurance agents
- Chris Zwilling, insurance agent
- Charlene Harper, insurance agent
- Jim Harper, insurance agent and agency owner
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