One of the benefits to buying a Boston condo for sale is you won’t have to worry about some of the major things homeowners do. You pay your condo fees every month and exterior maintenance and insurance is taken care of. But, what many Boston downtown condo owners don’t realize is the insurance the condo assoc. carries does not cover some of the major items they would need replaced in order to make their unit habitable after the disaster. If you think Boston condo owners don’t need insurance – think again!

Do NOT Rely on the Condo Insurance to Cover the Interior of Your Unit

If you own or rent a Boston Beacon Hill condo, do NOT rely on the Condominium Association’s insurance policy to cover damages in the event of a catastrophic loss from fire, flood, or other natural hazards. The condo assoc insurance policy does not insure your personal belongings. In fact, if you own a Boston Midtown condo, you are probably responsible for repairs to the interior walls, cabinets, carpets, and appliances as well and maybe more.

Get Insurance Coverage Now or Pay Out of Your Pocket

Boston Midtown condo owners need the right insurance coverage or the money to pay for repairs after a catastrophic loss is going to come out of your wallet. When disaster strikes, there is no reverse gear. Getting it right the first time gives you protection and peace of mind. Here is our recommendation.

Renting a Boston Condo? Get Coverage for Your Belongings

Contact an insurance agent today and get a “renter’s policy” to cover your personal belongings. Renter’s coverage is relatively inexpensive. It typically covers your furniture, furnishings, jewelry, computers, artwork, clothes and personal effects. In our opinion, the nominal insurance premium cost is a great bargain when compared to your potential dollar loss.

Own a Boston Condo? Pay Attention to the Master Policy

Contact your condo assoc and find out exactly what is covered and not covered in the Master Policy. In most instances, the Master Insurance Policy will not cover anything from the middle of the walls inward. That means the walls in your condominium and all of the finishes, including but not limited to the cabinets, flooring, light fixtures, appliances, air conditioning, furnace, water heater, plumbing, electrical system and your personal property (e.g. clothes, tv, stereo, computer, jewelry, etc.) will NOT be covered unless you purchase additional coverage for both the unit damage and personal belongings. It is relatively inexpensive and it is well worth the cost. Just ask the people who were not insured.

For Insurance Advice, Speak to your Insurance Agent

We do not sell insurance, nor do I play an insurance salesman on TV. This post is not intended to be insurance advice. Please speak to your insurance agent directly to inquire about the type of coverage you would need.

Considering Buying a Condo in Boston

Buying a  Boston downtown condo is considerably more difficult than buying a single family home. You want to make sure you hire a buyer’s agent who is knowledgeable on the condo buying process. Our team of buyer’s agent have a combined 58+ years of experience representing condo buyers and offer free condo buyer representation. We take a consultative approach, not a sales approach, so instead of hard selling you the most expensive condo you look at, we’ll help you avoid expensive mistakes. For more info about our team and how we work, email us at or call/text us at 617-595-3712 to schedule a no obligation consultation.

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Author Profile

John Ford
John Ford

Over the course of 20 years in the Boston downtown real estate market, John represented and sold numerous, condominiums, investment and development properties in Greater Boston and in the surrounding suburbs

In addition to representing Boston condo buyers and sellers, John is currently one of the most recognized Boston condo blog writers regarding Boston condominiums and residential real estate markets. John's insights and observations about the Boston condo market have been seen in a wide variety of the most established local & national media outlets including; Banker and Tradesman, Boston Magazine The Boston Globe, The Boston Herald and NewsWeek and Fortune magazine, among others.


For over 24 years, John Ford, of Ford Realty Inc., has been actively involved in the real estate industry. He started his career in commercial real estate with a national firm Spaulding & Slye and quickly realized that he had a passion for residential properties. In 1999, John entered the residential real estate market, and in 2000 John Started his own firm Ford Realty Inc. As a broker, his clients have come to love his fun, vivacious, and friendly attitude. He prides himself on bringing honesty and integrity to the entire home buying and selling process. In addition to helping buyers and sellers, he also works with rental clients. Whether you’re looking to purchase a new Boston condo or rent an apartment, you’ll quickly learn why John has a 97% closing rate.


Back Bay

Beacon Hill

Charles River Park


North End

South End

Seaport District

South Boston



Surrounding Communities of Boston
John Ford and his staff can be reached at 617-595-3712 or 617-720-5454. Please feel free to stop by John's Boston Beacon Hill office located at 137 Charles Street.

John Ford
Ford Realty Inc
137 Charles Street
Boston, Ma 02114



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