Condo & Townhome Insurance
Providing insurance coverage that protects you, your condo or townhome, and your belongings.
Californians who purchase townhomes or condominiums band together to form homeowner associations. One of the several purposes of the association is to arrange insurance coverage for the entire complex of buildings. There are several coverages which are not included in their master policy which include:
Real property pertinent exclusively to the residence or premises
Structures at the residence premises under the ownership of the insured
Alterations, appliances and fixtures inside of the owners premises
Loss assessment, many times, is included in the master policy put can be increased under Condo/Townhome's individual policy.
We provide Condo / Townhome coverage with the purpose of plugging the coverage gaps that exist between your personal policy and the master association policy. Most of the time, the association master policy provides, at a minimum, the exterior walls of your unit and the floors, but in the end, makes you responsible for some or all of the remainder of your unit which can result in several thousands of dollars in damages if left uninsured.
Get The Right Policy
We are here to help. You're just a click away from taking the stress and trouble out of choosing the right insurance policy.
We Can Help
We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.
We give you multiple ways to save money when you choose more than one insurance policy.
24/7 Claims Hotline
Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.
Don't Just Take Our Word For It
See what our customers are saying about us.
“I have been a homeowner in Santa Barbara for the past 26 years. I live in a high fire area where it can be difficult to get good homeowners insurance. For years I was forced to use California Fair Plan. Jeff and Luke at OS Insurance Services were able to find me a policy with much better coverage at a better price. They return my calls promptly and are always friendly and professional. I give them my highest reference and my thanks for making what can be a difficult process almost enjoyable."
Santa Barbara Resident
“I have been with OS Insurance for three years, both auto and home. They had the best price I could find and their service has been blue ribbon. I have two teenage drivers and need all the help I can get... Jeff and Luke are the best. I highly recommend OS Insurance Services. "
“After reading and agreeing with all of the consumer complaints about California Fair Plan we were so relieved to find something better ... a great alternative is working with OS Insurance Service."
Thousand Oaks Resident
“Finding OS Insurance Services was like a dream come true because the California Fair Plan is not so fair."
Upper Ojai Resident