Get a Quote
Condo Insurance

Condo Insurance in Springboro, Ohio

Protecting your condo isn’t just about peace of mind—it’s about making sure your investment, belongings, and liability are covered where your HOA insurance stops. At Bucklew Insurance, we help condo owners across Springboro and nearby communities get the personalized coverage they need from a team that lives and works where you do.

Why Condo Insurance Matters in Springboro

If you own a condo in Springboro, your homeowners association (HOA) likely has a master policy that covers the building’s exterior and shared spaces—but that doesn’t cover what’s inside your unit. That’s where condo insurance, also called HO-6 insurance, comes in.

Condo insurance fills the gaps, protecting the parts of your unit you’re responsible for: walls, floors, cabinets, appliances, and your personal property. It also provides crucial liability protection if someone is injured in your home or if you’re held responsible for damage to another unit.

Condo Insurance

What Bucklew Insurance Offers Condo Owners

As a locally owned insurance agency, Bucklew Insurance offers you:

  • Customized coverage options from a top-rated carrier

  • Local service from agents who understand Springboro condo communities

  • Clear guidance on what your HOA covers—and what it doesn’t

  • Bundle discounts when you combine condo, auto, or umbrella policies

Condo Insurance

Coverage Options Include:

  • Interior structure (walls, flooring, built-ins)

  • Personal belongings (furniture, clothing, electronics)

  • Personal liability coverage

  • Loss of use (hotel stays if your condo is unlivable)

  • Loss assessment (shared HOA costs after a claim)

  • Medical payments to others

We tailor policies based on your HOA bylaws, unit type, and budget—so you never pay for more than you need.

Condo Insurance

Ready to learn more?

Fill out the quote form now and we’ll connect shortly to review coverage choices and secure top-tier protection at the right price.

Get a Condo Insurance Quote Today

FAQ

Your HOA’s master policy typically covers the exterior building and common areas. Condo insurance can cover the parts of the condo (typically inside your walls), that the master policy does not cover. It also includes your fixtures, furniture, and liability.

While Ohio law doesn’t mandate it, most mortgage lenders require condo insurance if you finance your unit. Even if it’s not required, it’s essential protection.

This helps pay for your share of damage to common areas or lawsuits against your HOA that exceed their master policy limits. It’s one of the most overlooked but critical parts of condo insurance.

Yes—bundling with Bucklew Insurance can unlock significant savings and simplify your coverage with one trusted local agency.

Rates vary based on your unit’s value, deductible, location, and coverage limits—but most policies are affordable, often under $50/month..

An HO-3 policy is typically for standalone homes, while an HO-6 policy is designed specifically for condo units. HO-6 covers the interior of your condo and your personal property, since the HOA typically insures the building’s exterior and shared spaces.

Yes—if you’re renting out your condo, you’ll likely need a landlord or rental condo policy (a variation of HO-6) that protects your unit while it’s occupied by tenants. Bucklew Insurance can help you choose the right coverage based on your rental situation.

Ways to reduce your premium include:

  • Bundling policies (e.g., condo + auto)

  • Increasing your deductible

  • Installing safety features (smoke alarms, monitored alarms)

  • Maintaining good credit
    Bucklew Insurance can help you explore all available discounts for Springboro condo owners.

Proudly Serving Springboro and Nearby Areas

We serve condo owners throughout:

  • Springboro

  • Centerville

  • Waynesville

  • Miamisburg

  • Lebanon

  • South Dayton

Whether you’re in Settlers Walk, Stone Ridge, or newer developments near Austin Landing, we’re familiar with local HOA policies and common coverage gaps. As part of the Springboro community, we’re here to help you make informed insurance decisions—without the corporate pressure.