Condo Insurance in Pulaski County, KY — Reliable Protection for Kentucky Condo Owners
Your condo is your home — and your investment. Whether you're living in Somerset, elsewhere in Pulaski County, or in a Kentucky city or suburb, we provide condo insurance designed to protect your unit, belongings, and liability with confidence.
At Stewart & Tucker Insurance, we simplify the process, compare top carriers, and help you secure affordable, personalized condo insurance without overpaying.
What Should Your Condo Insurance Policy Cover?
Even if your condo association carries a master policy, it may not fully protect your interior space or personal belongings. Your own HO-6 condo insurance policy fills those gaps. Here’s what to expect:
Dwelling (Interior Unit) Coverage
Protects your cabinets, flooring, fixtures, drywall, and improvements if damaged by a covered event.
Personal Property Coverage
Covers your furniture, clothing, appliances, and electronics for losses such as theft, fire, or smoke damage.
Liability Protection
Pays legal or medical expenses if someone is injured in your unit — or if you accidentally damage another owner’s property.
Loss of Use (Additional Living Expenses)
Covers the cost of hotel stays, meals, and temporary housing if your condo becomes unlivable after a covered claim.
Medical Payments to Others
Helps pay medical expenses for guests injured in your home, regardless of fault.
Loss Assessment Coverage
Provides protection if your HOA imposes a shared assessment for building damage, liability claims, or deductible costs.
Add‑Ons That Matter
Strengthen your condo insurance policy with optional coverages that offer extra protection:
Flood Insurance
Important for condos located in flood-prone regions of Kentucky.
Scheduled Property Coverage
Ensures full-value protection for high-value items like jewelry, art, collectibles, or premium electronics.
Equipment Breakdown Coverage
Covers electrical or mechanical failures of appliances, HVAC systems, and other in-unit equipment.
Why It Matters
Why Condo Insurance Matters in Kentucky
Even well-managed condo associations only insure the building exterior and common areas. As a Kentucky condo owner, you’re responsible for your unit’s interior and your belongings — and for any liability inside your space.
With risks like storms, fire, water damage, theft, and shared building claims, condo insurance prevents costly surprises. We help you avoid gaps by tailoring your policy to your HOA’s master policy and your personal needs.
What You Need to Know About Condo Insurance in Kentucky
What does the condo association’s master policy cover?
Typically the exterior structure and shared spaces. You're responsible for the interior and your belongings.
Do I need condo insurance if I rent out my unit?
Yes. Rental condos require specific coverage to protect both the property and your liability.
What is loss assessment coverage?
When the HOA charges all owners to cover a shared claim or deductible, this coverage helps pay your portion.
Is flood insurance included in condo insurance?
No. Flood coverage must be purchased separately and is strongly recommended in flood-prone areas.
Can I bundle condo insurance with my auto policy?
Absolutely — bundling often saves money and simplifies your coverage.
Protect Your Condo with Confidence
From condos in Somerset to communities throughout Pulaski County and cities across Kentucky, we help you build the right coverage to protect your home and your lifestyle. Let’s get you the protection you deserve — with clarity, confidence, and expert guidance.