Condo Insurance in Atlanta, GA – Protection for Your Condo or Townhome
Smart, affordable coverage that fills the gaps left by your HOA.
At The Elkins Agency, we specialize in HO-6 condo insurance policies for Atlanta and Georgia condo owners. Whether you’re in a high-rise downtown or a townhome in Snellville, we help you understand exactly what your HOA covers — and what you’re responsible for. The result: real protection for your space, your stuff, and your peace of mind.
Unique Needs of Condo Owners in Atlanta, GA
Master Policy vs. Unit Coverage
Your HOA’s master policy typically covers the building exterior and shared areas — not your unit’s interior or belongings. A condo insurance (HO-6) policy fills that gap by protecting what’s inside: walls, floors, cabinets, appliances, personal property, and liability.
What Condo Insurance Covers
Walls-In Coverage
Floors, walls, ceilings, and fixtures within your unit
Personal Property
Furniture, electronics, clothing, and other belongings
Liability Protection
In case someone is injured in your unit
Loss of Use
Covers hotel/living expenses if your unit becomes uninhabitable
Loss Assessment
Helps cover special assessments from your HOA
Townhomes & HOAs
If you own a townhome with an HOA, we’ll review the association’s coverage to determine if you need a condo policy or a homeowners policy instead.
Tailoring Your Condo Policy
Determine Your Coverage Needs
We’ll help review your HOA documents to determine where their coverage ends and yours begins — especially when it comes to cabinets, flooring, built-ins, or major upgrades.
Protect Upgrades & Valuables
We make sure your policy accounts for renovation upgrades and high-value items. You can also add optional coverage for jewelry, fine art, electronics, and more.
Don’t Forget Loss Assessment
If your HOA places an assessment on all unit owners due to a large claim or deductible, this optional coverage helps avoid an unexpected bill
Why Choose Us for Condo Insurance
Atlanta Condo Expertise
From downtown Atlanta buildings to Snellville suburban townhomes, we understand the local condo market — and the common gaps in HOA coverage.
Top Carriers, Competitive Rates
We work with national insurers like Travelers, Safeco, and Nationwide to bring you coverage that fits both your needs and your building.
Easy Bundling
If you also insure your car or investment property with us, we’ll bundle for savings and simplify your policy management.
Frequently Asked Questions – Condo Insurance
What is walls-in coverage on a condo policy?
Walls-in (HO-6) coverage protects everything inside your unit — walls, floors, fixtures, and more — depending on what your HOA covers externally.
Why do I need condo insurance if my HOA has insurance?
Your HOA policy won’t cover your furniture, belongings, or liability if someone is hurt inside your unit. A condo policy protects what’s uniquely yours.
Will condo insurance cover damage to my neighbor’s unit?
If a leak, fire, or accident in your unit affects others, your liability coverage may help cover those repairs — and your own, too.
Secure Your Condo Today in Atlanta, GA
Request a Condo Insurance Quote
Let’s review your HOA’s master policy and make sure your interior, belongings, and liability are fully covered.