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How much is the average basic insurance for a condo owner who just wants to insure personal items in the home?

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  1. unfortunately, there are too many variables to give an "average price" here are some factors that go into your rate: Location of nearest fire hydrant and fire dept Crime Rate in your neighborhood Amount of coverage that you need Special coverage for high dollar items such as jewelry, artwork, electronics I would recommend meeting with some branded (State Farm, Allstate, etc..) and independent insurance agents and ask them for some quotes.
  2. In Iowa, and other "low hazard" places, $250 a year, for a standard condo policy including "stuff" and personal liabiltiy coverage. In Florida, and other "high hazard" places, well, condo coverage is pretty darned hard to get if you're within five miles of the water. If you're not, expect it to run you about $1,000 a year, and another $1500 for wind.
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