Condo insurance Greenville SC and across South Carolina

Condo Insurance Overview

Protect your unit and everything in it
Your HOA’s master policy covers the building and shared spaces—but not your finishes, built-ins, or personal belongings. The Sullivan Agency helps condo and townhome owners in Greenville, Greer, Anderson, and Spartanburg tailor HO-6 condo insurance to match their association rules, from downtown Greenville high-rises to newer developments off Woodruff Road. We’ll review your docs and explain what’s yours, what’s the HOA’s, and how to close the gaps—so flooring, cabinetry, and personal property aren’t left to chance.

Coverage Specifics

Inside-the-walls coverage, explained

Building property

(inside your unit)

Cabinets, countertops, fixtures, and flooring—especially important if your HOA’s master policy is “walls-out.”

Personal property

Furniture, electronics, appliances, and clothing—replacement cost options available.

Liability protection

If a guest is injured in your unit or you accidentally cause damage to another residence

Loss of use

Hotel, meals, and extra expenses if a covered claim displaces you.

Loss assessment

Helps pay your share if the HOA assesses unit owners after a covered loss to common areas.

 If your building sits near creeks that feed the Reedy River or in lower-lying parts of Greenville County, we’ll also discuss separate flood insurance to address rising water—something an HO-6 and the master policy won’t cover.

 HOA Requirements & Proof

Compliant coverage without the runaround

Many lenders and associations require specific limits or endorsements for condo insurance in South Carolina. The Sullivan Agency coordinates certificates of insurance, mortgagee clauses, and any special wording your HOA requests—so closings don’t stall and renewals stay stress-free. We’ll confirm whether the master policy is “all-in” or “walls-out,” then right-size your HO-6 to avoid both gaps and overlaps.

Cost, Savings & Extra Protection

Keep premiums reasonable and coverage strong

Condo insurance is typically more affordable than a full homeowners policy because it covers less structure. We’ll look for alarm credits, claim-free discounts, and multi-policy savings. If you host often, travel frequently, or have higher asset exposure, consider personal umbrella insurance for an extra layer of liability above your condo limits. Planning to buy a house later? We’ll explain how homeowners insurance differs and make the transition simple with the same local team at The Sullivan Agency.

Real-Life Scenarios

Where the right HO-6 really matters

A burst pipe damages engineered wood floors and custom built-ins. A kitchen fire fills your unit with smoke. A guest slips on wet tile in your entry. These common moments show why tailored limits, the right endorsements, and a coordinated master-policy review matter—especially in multi-story buildings downtown or townhomes off Pelham and Woodruff.