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Condo Insurance in Norwalk and Des Moines, IA

As a condominium owner, you might expect the insurance policy provided by your homeowner association (HOA) to cover your home. Unfortunately, the typical HOA policy does not cover the interior of your condo and its vital contents, which is why it's crucial to secure the proper insurance and make sure you are covered. Lane Insurance Agency Inc. provides condo insurance to clients in Norwalk, Des Moines, West Des Moines, Waukee and surrounding areas.

Understanding your Existing Condo Coverage

Generally, HOA insurance will cover damage to the exterior of the condominium building and common areas, such as walkways and stairs. However, it does not cover the interior walls and incidents that may happen inside of it, as well as your belongings on the premises.

Condo insurance (also known as an HO-6 insurance policy) can cover the following events:

  • Explosions
  • Fire
  • Hailstorms
  • Lightning
  • Slips, falls and injuries
  • Theft/break-ins
  • Vandalism and malicious mischief
  • Water-related accidents and damage (e.g., burst pipes)
  • Windstorms

Keep in mind that even if the HOA policy does cover damage, there might be limits to what the HOA's policy limit will allow. For example, some HOA policies won't cover plumbing or wiring-related issues. It's important to keep yourself informed on what your current coverage is and make sure you're protected.

Protect your Home

Other factors will also determine what kind of condo insurance is right for you, such as where your home is and what kind of materials were used to construct the building. Don't put off planning in the event of a disaster for your home and contact the team at Lane Insurance Agency Inc. to request a free quote.

Our Location

Lane Insurance Agency Inc

Lane Insurance Agency Inc

1225 Sunset Dr
Norwalk, IA 50211
Main office: 515-981-4614
Toll free: 800-244-4608
Fax: 515-981-4034

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.