Protection Designed for Michigan Condo Owners
Owning a condo offers convenience and community—but it also comes with unique insurance needs. Your HOA master policy only covers part of the risk, which means your personal unit, belongings, and liability still need proper protection. At the Rich Merso Insurance Agency, we help Michigan condo owners secure clear, reliable coverage backed by Farmers® Insurance and supported by trusted local service.
Our priority is simple: premium-quality condo protection with honest, budget-conscious guidance.
Contact UsWhy Condo Insurance Matters in Michigan
HOA master policies typically cover the exterior structure and common areas—but not your personal unit. The right condo insurance protects you from:
- Interior structural damage
- Fire and smoke damage
- Theft or vandalism
- Damage to personal belongings
- Water damage (specific causes)
- Liability for injuries inside your unit
- Loss of use if your condo becomes uninhabitable
We help you understand where the HOA policy ends—and where your protection needs to begin.
What Condo Insurance Covers
We tailor your coverage to your condo type, lender requirements, and your HOA's master policy.
Interior Unit Coverage ("Walls-In")
Protects your flooring, cabinets, fixtures, appliances, and upgrades.
Personal Property Coverage
Covers belongings such as electronics, furniture, décor, and valuables.
Personal Liability Protection
Helps protect you financially if someone is injured inside your condo or if you accidentally cause damage to another unit.
Loss of Use (Additional Living Expenses)
Pays for temporary housing and daily living expenses after a covered loss.
Medical Payments Coverage
Helps pay for minor guest injuries on your property.
Optional Add-Ons for Extra Protection
Water/sewer backup, Identity theft coverage, Scheduled personal property (jewelry, art, collectibles), Ordinance or law coverage, Equipment breakdown protection.
We help you choose the right options based on your HOA requirements and lifestyle.
Why Michigan Condo Owners Choose the Merso Agency
Local Guidance You Can Trust
Rich reviews your HOA master policy with you to ensure there are no coverage gaps.
Premium Protection With Budget-Friendly Options
We help you secure strong, reliable protection without unnecessary costs.
Clear, Straightforward Explanations
No guesswork. No confusion. Just transparent guidance.
Claims Support From Real Local People
If something goes wrong, we're right here to help you through it—quickly and professionally.
Serving Condo Owners Across Michigan
From Midland and Auburn to Saginaw, Bay City, Freeland, and every Michigan community statewide.
Savings & Bundle Opportunities
Condo owners can save with:
- Condo + Auto bundle
- Multi-policy discounts
- Responsible payer savings
- Protective device discounts
- Claims-free discounts
We help maximize your savings without compromising coverage.
Who Should Consider Condo Insurance?
Perfect for:
- First-time condo owners
- Downsizing residents
- Urban and suburban condo communities
- Investors with condo rental units
- Anyone looking for “walls-in” protection
If you own a condo in Michigan, this coverage is essential for safeguarding your space and belongings.
Get a Personalized Condo Insurance Quote
Whether you're purchasing your first condo or reviewing your current coverage, we'll help you feel confident and fully protected.
Protect your home with a local, trusted Michigan Farmers® Insurance agent who understands the coverage you truly need.