Condominium Insurance

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NLC offers coverage for persons who own a condominium in the states of Connecticut, Rhode Island, and Massachusetts. All of NLC’s Condominium policies include the following coverages:

Additions and Alterations coverage including improvements that the condominium owner makes to the interior structure of the condominium. The policy provides $1,000 of coverage but additional limits are available for an additional premium.

In the event a covered loss renders the condominium unit uninhabitable then Loss of Use coverage provides up to 40% of the amount of Personal Property coverage for the policyholder’s extra expenses. These expenses can include the cost to stay in a hotel and meal expenses while the condominium unit is uninhabitable.

Personal Liability coverage pays for injury for which an insured may be legally liable.

NLC’s Condominium policies can include additional coverage's that each individual policyholder may need:

Replacement Cost Contents covers personal property at replacement value without a deduction for depreciation.

NLC’s Protection Plus provides nine additional coverages with a price that is lower than if the coverages are purchased individually.

NLC can provide coverage for certain businesses that are operated out of the house.

Find an NLC agent to learn more about our Condominium programs.


"My son was involved in a significant accident, and every person we had contact with at NLC made the whole experience simple. Each Employee was professional, responded in a timely manner and followed through on what they told us. Much appreciated!"

"I was in the process of purchasing my first home, and the NLC agent had been such a great help. She made the entire experience very easy. I am so glad someone recommended you to me. Thank you"

"A tree about 20 feet from our house was struck by lightning this past summer. The adjuster not only took care of us but also gave us tips on what to watch for in the future. What phenomenal advice. We would have never thought the lightning could run through the roots and affect more trees. We were very comforted by these words of wisdom. Thank you"

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