Coverage That Fits Your Unit
Condo Insurance in Missouri
Protection for the Inside of Your Home
Condo Insurance for Missouri Unit Owners
Owning a condo means you’re responsible for what’s inside your walls, but not necessarily what’s outside them. That’s where condo insurance comes in. Fortner Insurance helps condo owners in Springfield and across Missouri find coverage that fills the gaps left by your HOA’s master policy. Whether you're in a low-rise development in Nixa or a high-rise near downtown Springfield, we’ll help you protect your space, your belongings, and your peace of mind, with local service and personalized support.
What We Offer
Condo Insurance Coverage That Complements Your HOA Policy
Interior Property Coverage
Covers your unit’s interior: flooring, cabinets, fixtures, and personal belongings.
Personal Liability Insurance
Helps if someone is injured in your condo and you're legally responsible.
Loss Assessment Coverage
Covers your share of repairs or liability costs passed down by your HOA.
Loss of Use
Helps pay for living expenses if your unit is uninhabitable due to a covered claim.
Medical Payments Coverage
Pays for minor injuries to guests on your property.
Replacement Cost Options
We’ll help you choose the best value between cash value and full replacement coverage.
Bundle and Save
Combine with
auto insurance or
umbrella coverage to streamline coverage and lower premiums.
Why Condo Owners Choose Fortner
Personalized Service. Local Support. Clear Answers.
We Understand Shared Walls
Condo insurance requires attention to detail, and we’ll help you avoid overlaps or gaps with your HOA coverage.
We’re Based in Springfield
We serve condo owners throughout southwest Missouri, from city units to vacation condos near the Ozarks.
We’re Easy to Work With
Get clear guidance, real support, and flexible coverage, all without the high-pressure sales pitch.
Condo Insurance FAQs
What Missouri Unit Owners Ask Most
What does condo insurance cover that my HOA doesn’t?
Most HOA policies cover only the exterior structure. Your personal condo policy covers interior features and your belongings.
Do I need loss assessment coverage?
Yes, if your HOA can pass on costs for shared damage or liability. We’ll review your HOA docs to help you decide.
Is condo insurance required in Missouri?
It may be required by your lender or HOA, but even if it’s not, it’s a smart way to protect your investment.
Can I bundle condo and auto insurance?
Yes—bundling is common and often lowers your premium. Ask us to quote both.
How is condo insurance different from homeowners insurance?
Homeowners insurance covers the entire structure; condo insurance only covers the interior and what’s inside your unit.