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Featured Condo insurance coverage

Condo Insurance in Pennsylvania

Condominium association residents have special insurance needs. Whether you live in a townhouse association, a condominium, or a cooperative, an ordinary insurance policy leaves dangerous gaps in your coverage. Without the right policy a routine insurance claim can have a devastating effect on your personal finances. With Gallina and Sons providing more condominium policies than any other agency in Pennsylvania, we are in a unique situation to customize your condo policy to your specific community.

With so much at stake, why do studies show that as many as 75% of unit owners have inadequate insurance policies?

The answer is their insurance agent. Less than 1% of agents have taken a course in association insurance. The standard textbook used to study for an insurance license in Pennsylvania is over 480 pages long, but less than one page is dedicated to the needs of condo owners. Townhouse, and cooperative owners aren’t mentioned at all. All of the professionals at Gallina and Sons have unique education and experience specific to community living, making us an authority on the interpretation and assessment of the risks unique to planned communities.

Without special training in association insurance, even the best agents don’t know how to design a policy for an association resident.

Condo Insurance Coverage

The standard condominium policy was designed to adapt to the drastically different needs of each community. That means the standard Ho6 policy has very little coverage to start and endorsements, or riders, need to be added on to make sure your policy fills in the gaps left by some master policies:

  • Do you have enough loss assessment coverage?
  • Do you have back up of drains and sewers?
  • Is $500,000 of liability coverage enough?
  • Where do improvements end and maintenance begin?

Gallina and Sons’ agents are qualified, and always happy to help you understand what your condo policy needs to cover and what those coverages are. Required coverages can vary from condominium to condominium and we make sure your policy is tailored to meet your needs.

Condo insurance is an affordable way to protect your unit against a host of perils, such as theft, vandalism, sewage backup, and fire. At Gallina and Sons, we strive to make the process of shopping for a condo insurance policy easy and fast. When you talk with one of our insurance professionals we'll listen to what specific coverage needs you have, and then help you find an inexpensive policy that meets those needs.

Independent Insurance Agents & a Whole Lot More

If you own a condominium around Pittsburgh, PA, you know there are a lot of options for finding a homeowners policy. What makes Gallina and Sons special?

  • Educate each customer on the Laws of their community
  • Educate each customer on the Laws of their community
  • Personal coverages react to changes in the master policy and legal statues automatically
  • Specialty claims professional to oversee both association and personal claims adjusters during a claim
  • All insurance documentation in a one stop shop (Declarations, and Certificates)

In addition to educating you on the unique coverage needs of your community, we can also help you compare rates on policies with more than 10 carriers specifically selected for their quality of Condominium knowledge and service. Because all of our staff has intimate knowledge of the activities of your community, we proactively adjust your policy to meet your needs as association policy changes. The entire process of comparing coverage only takes a few minutes and the benefits last a lifetime.

Finding the right home insurance at the right price doesn’t have to be difficult. Simply call us at Gallina and Sons, and speak with one of our agents today. We'll make sure you have the insurance you need at a price you can afford.

Gallina and Sons Click here to request a quote

Timothy M. Gallina, the youngest Son is the head of the Personal Lines Department of Gallina and Sons.


Timothy is a graduate of the Virginia Military Institute (VMI). Shortly after graduating Tim began a carrier as a claims adjuster for Travelers Insurance Company

As a Total Loss and Catastrophic Loss Adjuster. Tim traveled the country for up to 300 days a year assisting victims of major storms, answering claims when insurance was needed the most. Tim worked in collaboration with FEMA during hurricane Sandy where he becomes one of only 300 adjusters in the country certified to adjust flood claims.

Tim's experience and firsthand knowledge of claims procedure makes him an amazing asset not only to Gallina and Sons but also to all of the policies we manage.

Get in Contact with Tim below

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