Condo Insurance in Cedarville, the Eastern Upper Peninsula, and Across Michigan
Tailored Coverage for Condo Owners
Owning a condominium is a rewarding lifestyle choice — but it also comes with unique responsibilities. Unlike homeowners, condo owners share certain responsibilities with their association, while still being accountable for what’s inside their unit. At
Islands Insurance Center, we’ll help you create a condo insurance policy that complements your association’s master policy and protects your unit, your belongings, and your peace of mind.
What Condo Insurance Includes
Condo insurance from Islands Insurance Center can be tailored to fit your needs and may include:
Building Property Coverage
Protects the interior of your unit (walls, flooring, cabinetry, fixtures) that your association’s policy may not cover.
Personal Property
Covers furniture, appliances, clothing, electronics, and valuables inside your condo.
Liability Coverage
Provides financial protection if you’re legally responsible for injuries or property damage.
Loss of Use
Pays for hotel stays, meals, or rentals if your condo becomes uninhabitable due to a covered loss.
Loss Assessment Coverage
Helps pay for your share of damages to common areas if your association issues an assessment.
Medical Payments Coverage
Covers medical expenses for guests injured in your condo, regardless of fault.
Optional Add-Ons
Additional coverage for high-value items (jewelry, fine art, collectibles) and identity theft protection.
Frequently Asked Questions
Doesn’t my condo association cover everything?
No. Your condo association’s master policy generally covers only the building’s exterior, roof, and common areas like hallways or shared facilities. It does not cover your unit’s interior or personal belongings. That’s where Islands Insurance Center comes in — filling the gaps with coverage tailored to your needs.
Can condo insurance be customized to my specific situation?
Absolutely. Every condo is different. At Islands Insurance Center, we’ll review your association’s master policy and then design a personalized plan that protects your unit, belongings, and liability. Whether your condo is in Cedarville, the Les Cheneaux Islands, or elsewhere in Michigan, your policy will be unique to you.
Do you only provide condo insurance in Cedarville?
No. While our office is in Cedarville, we proudly serve condo owners across the Eastern Upper Peninsula and throughout Michigan. Many of our clients live locally, but we also insure second homes and investment condos across the state.
What makes Islands Insurance Center different from other agencies?
At Islands Insurance Center, we’re not just another insurance agency. We’re an independent, community-rooted team that understands the unique lifestyle of Michigan condo owners. Our focus is on tailoring coverage to your life, backed by quick communication and the flexibility of working with multiple trusted carriers.
How do I get a condo insurance quote?
Getting a quote is easy. You can fill out our [Request a Quote] form online, text us directly, call our Cedarville office, or stop by in person. At Islands Insurance Center, we’ll walk you through the process step by step to ensure you get the right coverage.
Why Choose Islands Insurance Center for Condo Insurance?
Condo Coverage, Designed Around You
Community-Rooted: We understand the unique needs of condo owners in Cedarville, the Les Cheneaux Islands, and across Michigan.
Tailored Coverage: Every condo is different, and your insurance should be too. We design policies around your association’s master policy and your personal needs.
Trusted Carriers: Access to Auto-Owners, AAA, Wolverine, and more means flexible, reliable coverage.
Independent & Flexible: As an independent agency, Islands Insurance Center works for you, not just one carrier.
Personalized Condo Insurance You Can Rely On
Owning a condo should be about enjoying your home and lifestyle — not worrying about gaps in coverage. With condo insurance from Islands Insurance Center, you’ll have confidence knowing your unit, your belongings, and your liability are fully protected.
