Tulsa Condo Insurance

While your condo association likely insures your building and the common areas of your complex, it is your responsibility to insure your unit and the items within. Tulsa condo insurance covers the cost of replacing or repairing your personal property in the event of loss or damage. It also provides you with liability protection if a guest is injured while in your condo unit.


The Tulsa Insurance Guy team is passionate about providing you with Tulsa condo insurance policies that are customized to your unique needs and budget. Whether you need a condo insurance policy with only basic coverage or a fully-loaded policy with increased protection for bathroom fixtures, plumbing, and wiring, we can give you the flexibility to choose a policy that works for you.

Independent Insurance Agent Tulsa
Independent Insurance Agency Tulsa

Standard Tulsa Condo Insurance Coverage

Every Tulsa condo insurance policy includes coverage to help pay for repairs and fix damage done to the inside of your condo unit. This important coverage can save you significant stress  and frustration following an unfortunate event. In addition to regular coverage for your belongings and your property, we offer several additional coverage options.

  • Protect Your Property Wherever You Are

    Tulsa condo insurance policies provide coverage for your sofa and armchair set, flat-screen TV, laptop, tennis racket, blender, and more. Your possessions are protected from damage and theft when they’re at home or with you anywhere in the world, from the next block over to another continent.

  • Liability Protection

    A condo insurance policy protects you and your family in where you’re held legally responsible for damage caused to someone else’s property. If a guest is injured while visiting you in your condo, they’re covered too. You and your family are protected against bodily injury, property damage claims, and litigation.

  • Temporary Housing and Expense Coverage

    If you’re unable to live in your condo while it’s being repaired or rebuilt after a covered loss, additional living expenses help pay the cost of temporary housing and living expenses for up to 24 months. This coverage is invaluable during such a stressful time.

  • Identity Recovery Coverage

    For only $1 a month, identity recovery coverage helps to cover the cost of restoring your identity if it’s stolen

  • Valuable Article Coverage

    Some high-value items such as silverware, coins, fine art, jewelry, and other collectibles require special protection. With valuable articles coverage, the belongings you specify in your policy are protected by an agreed dollar amount, and there is no deductible.

  • Multiple Losses, One Deductible

    Combine your condo and auto policies and become eligible for a single loss deductible. If your car or motorcycle insured with the same provider is damaged in the same event as your condo, you may only have to pay one deductible. 

    For example, if a tree falls and damages both your condo and your car, we’ll waive your auto deductible after your condo deductible is paid. Ask us about other coverage options and for personal advice about condo insurance coverage that’s right for you, including loss assessment coverage.

Safety Tips for Tulsa Condo Owners

Even with the best Tulsa condo insurance policy, it’s important to minimize risk while protecting your assets. Here are a few steps you can take to protect yourself, your family, and your condo:

  • Conduct a Home Inventory

    Compare the value of your belongings to the coverage listed in your condo insurance policy. Make sure you have enough insurance to replace your personal possessions if they’re lost, stolen, or damaged. If you ever need to make a claim, having a full inventory of your personal property will help the process go smoother. Online home inventory services such as Know Your Stuff make this process streamlined and effective.

  • Prevent Water Damage 

    Water damage can quickly become a serious problem for condo owners. While you may take care of your property, your neighbors may not! Educate yourself on ways to detect and prevent water damage to eliminate excessive damage to your condo.

  • Prepare Your Condo for Natural Disasters

    While you may not be able to do much to retrofit the exterior of your condo, you should take important steps to prepare your condo for natural disasters that occur in your region. Taking time to educate yourself and your family on these events is the best way to eliminate serious impact.

Independent Insurance Agent Tulsa
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Ways to Save on Your Tulsa Condo Insurance Policy

We are always looking to provide our clients with exceptional coverage at great rates. In addition to the already low rates we offer, we also work to provide you with discounts on your policies. Here are a few ways you can save on your Tulsa condo insurance policy:

    • Install Safety Equipment in Your Condo

      Many of the nationally-recognized insurance carriers we partner with offer discounts if your condo features a burglar alarm, interior fire sprinkler system, other safety equipment. Additionally, you may qualify for a lower policy rate if you live near a fire station.

    • Multiple Policy Discount

      Save even more on your Tulsa condo insurance by bundling your coverage with additional coverage for your car, motorcycle, boat, or RV. This not only offers significant savings but also provides you with a streamlined approach to comprehensive insurance coverage.

    • Consider a Higher Deductible

      If you are looking for ways to save on your Tulsa condo insurance policy, consider a higher deductible. This will lower how much you pay for condo insurance by shifting part of a loss payment to you. A higher deductible will lower your condo insurance bill. However, it will also increase how much you’ll pay out-of-pocket if you need to file a claim.

    • Pay Your Tulsa Condo Insurance Bill in Full

      If you pay your bill in full when you start or renew a policy, instead of paying in monthly installments, you’ll end up paying less in the long run.

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Tulsa Condo Insurance FAQs

At Tulsa Insurance Guy, we work to provide our clients with information regarding their policies, allowing them to make informed decisions about their coverage. Here are answers to a few of the most frequently asked questions regarding Tulsa condo insurance:

  • What is Tulsa condo insurance?

    Tulsa condo insurance covers most of what your condo association master policy does not, including coverage for your personal belongings. You can also extra coverage for any improvements or remodeling work that you’ve done inside your condo unit.

  • Which part of my condo am I responsible for insuring?

    When you own a condo, you are responsible for insuring everything inside your condo unit including your personal belongings, appliances, light fixtures, bathtub, toilets and sinks, walls, and floors.

  • Who insures the pool, tennis courts, and function hall areas of the complex?

    Shared buildings and common areas in the complex are usually covered by your condo association master policy.

  • Do I get a discount on my Tulsa condo insurance policy for having a burglar alarm?

    Yes! Most of the carriers we partner with offer discounts on Tulsa condo insurance for condo owners to install a burglar alarm or other safety features.