Jon Gilroy Insurance Agency

Condo Insurance in Waterford, Michigan

Your HOA has a master policy. It just doesn’t cover as much as you think.

Condo ownership comes with a unique insurance situation — your HOA covers the building and common areas, but everything inside your unit is on you. Jon Gilroy Insurance Agency helps Waterford condo owners understand exactly where their HOA coverage ends and make sure nothing important falls through the cracks.

We review what your association already has and build a policy around what you actually need.

GET YOUR CONDO INSURANCE
QUOTE IN MINUTES

Our promise to you: NO SPAM! We value your privacy and do not share your personal info with any third-party companies without your permission.

What Condo Insurance Protects

A condo policy can help cover:

Multi-Product
Your interior walls, floors, and fixtures
Personal belongings and furniture
Personal liability if someone is injured inside your unit
Loss assessment coverage if your HOA levies a special charge
Additional living expenses if your unit becomes uninhabitable
mprovements and upgrades you've made to the unit

Why work with us

The line between what your HOA covers and what you're responsible for isn't always clear — and most owners don't find out until they file a claim. We help Waterford condo owners avoid surprises like:

Multi-Product
Assuming HOA coverage extends inside the unit
No coverage for interior upgrades and improvements
Missing loss assessment coverage for shared-area incidens
Liability gaps when guests are injured in your home
Being underinsured after a water damage or fire event

Bundle and Save

Pairing your condo insurance with your auto policy is one of the simplest ways to reduce what you pay across the board.

Carriers reward customers who bundle — and we know which ones offer the best combined rates.

We do the comparison so you don't have to.

Our #1 Priority is Client Satisfaction.

Rated 5 out of 5

Condo owners in Waterford trust Jon Gilroy Insurance Agency to cut through the confusion and make sure they’re genuinely protected — not just technically insured. That’s the difference working with a local agent makes.

The team at Jon Gilroy Insurance made our switch to new insurance simple and quick. We’re saving over $500 a year between auto and homeowners.

Derek Bridges

Clarkston, MI

I had no idea how much more I was paying in car and homeowners insurance until Kristina found the best rate for me. The whole group there is great!

Elaine Hudson

Birmingham, MI

I love having to deal with only one knowledgeable agent for all our insurance policies. Anytime we have a question, the Gilroy Insurance team is there to answer quick.

Lila Brewer

Waterford, MI

Condo Insurance — Frequently Asked Questions

Doesn't my HOA already cover my condo?

Your HOA’s master policy covers the building exterior and shared common areas — not the interior of your unit, your belongings, or your personal liability.

What is loss assessment coverage?

If your HOA faces a large claim and charges unit owners a special assessment to cover the cost, loss assessment coverage helps pay your share.

Are my renovations covered?

Not automatically. If you’ve updated your kitchen, flooring, or bathrooms, you’ll want to make sure those improvements are reflected in your policy.

How is condo insurance different from renters insurance?

Renters insurance covers personal property and liability for people who don’t own their space. Condo insurance does the same but also covers your interior unit structure and improvements.

Group Products and Save Even More

At Jon Gilroy Insurance Agency in Waterford, we will help you find the best insurance rates, and the best coverage to fit your specific needs, and by a name that you know and can trust.

Complete coverage & bigger savings are only a minute away!

Get Condo insurance quote today

Our agents will walk you through exactly what your HOA covers, where the gaps are, and how to fill them — without overcharging you for coverage you don’t need.