Condo & co-op insurance in Santa Monica, CA
Condos and co-ops split responsibility between the building's master policy and your own walls-in coverage. Getting the boundary right is the whole game.
Santa Monica, CA market figures computed from public licensing records as of 2026. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.
Condo / co-op coverage to consider
- Interior / walls-in coverage (HO-6)
- Personal property
- Personal liability
- Loss assessment
- Improvements & betterments
- Water backup (where offered)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Independent agencies in Santa Monica
10 businesses listed from public licensing records, shown alphabetically. Listings are not endorsements.
Santa Monica, CA
In records since 2018 · NPN 18701224 · public licensing record
Santa Monica, CA
In records since 2022 · NPN 20338594 · public licensing record
Santa Monica, CA
In records since 2025 · NPN 21151674 · public licensing record
Santa Monica, CA
In records since 2018 · NPN 18840096 · public licensing record
Santa Monica, CA
In records since 2020 · NPN 19404572 · public licensing record
Santa Monica, CA
In records since 2002 · NPN 963549 · public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Frequently asked questions
What does the building's master policy cover vs. mine?
Master policies vary — some cover units to the original walls, some less. An agent can read your building's docs and set your walls-in coverage to match.
Is co-op insurance different from condo insurance?
The personal policy is similar, but co-op proprietary leases and house rules can add requirements. Independent agents handle both regularly.
What is loss assessment coverage?
If the building suffers a loss and assesses unit owners for part of it, loss assessment coverage can respond. An agent can size it to your building.
Tell us what you need once.
We'll route your request to an independent agency serving Santa Monica — and you'll always know who may contact you.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.