GARDEN-STYLE
CONDO INSURANCE
MORE BUILDINGS MEANS MORE ROOFS, MORE GROUNDS, MORE EXPOSURE.
A blanket policy covers all buildings under one total insured value. A scheduled policy lists each building separately. The choice affects how multi-building losses are handled.
Garden-style campuses with closely spaced buildings face fire-spread risk that a single-tower community does not. Wind-driven fires can jump between structures.
Parking lots, walkways, landscape features, and stormwater systems across a campus create more premises liability surface area than a single building.
A single storm can damage roofs on every building simultaneously, producing aggregate claims that reach the total insured value quickly.
Garden-style and low-rise condo associations operate as campuses — multiple two- and three-story buildings connected by breezeways, walkways, parking areas, and landscaped grounds, all owned and maintained by the association. The master policy must cover every building on the property, every breezeway and carport, and the full expanse of common grounds, parking, and infrastructure that connects them.
Kelly Insurance Group structures garden-style programs using blanket property forms that cover the full campus under one total insured value, coordinated with general liability scaled to the premises footprint, and equipment breakdown for the boilers, water heaters, and mechanical systems distributed across multiple buildings.
TAP YOUR CAMPUS SIZE TO SEE HOW THE PROGRAM SCALES.
More buildings add exposure at every layer. Tap a campus size to see how the coverage program changes.
ONE LIMIT FOR THE WHOLE CAMPUS — OR ONE PER BUILDING.
A blanket master property policy covers all buildings under a single total insured value. If any one building is destroyed, the full blanket limit is available for its replacement. A scheduled policy lists each building with its own individual limit. The blanket approach is simpler to administer and provides more flexibility during large losses, but it requires an accurate total insured value for the entire campus — undervaluing the blanket leaves the entire campus underinsured.
We help garden-style boards determine the correct total insured value by building type and construction, and we structure the blanket to account for the full replacement cost including site work, demolition, and the ordinance or law costs of rebuilding to current code.
MORE CONDO ASSOCIATION COVERAGE
GARDEN-STYLE CONDO COVERAGE — ANSWERED.
HOW DOES A BLANKET POLICY WORK FOR A MULTI-BUILDING CAMPUS?
A blanket covers all buildings under a single total insured value. If one building is destroyed, the full limit is available. The total must reflect replacement cost of all buildings combined.
DOES THE ASSOCIATION NEED TO INSURE BREEZEWAYS AND WALKWAYS?
Breezeways, covered walkways, stairwells, and carports are common elements included in the master property policy. They also create premises liability exposure, especially in wet or icy conditions.
WHAT IF A FIRE SPREADS BETWEEN BUILDINGS?
Under a blanket policy, a multi-building fire is typically one occurrence with one deductible. Under a scheduled policy, each building has its own limit and the interaction depends on policy wording.
IS CAMPUS GROUNDS MAINTENANCE COVERED?
The master property covers landscaping, irrigation, parking lots, and common grounds. GL covers injuries on these grounds. If the association employs groundskeepers, workers' comp applies.
DO GARDEN-STYLE CONDOS FACE DIFFERENT WIND EXPOSURE THAN HIGH-RISES?
Lower wind loads per structure, but many buildings multiply total wind exposure. Hail and windstorm damage to multiple roofs in a single storm can produce large aggregate claims.
HOW DOES PARKING LOT LIABILITY WORK?
Parking lots and drives are association common elements. Vehicle-pedestrian accidents, slip-and-falls, poor lighting claims, and vehicle damage from potholes all create GL exposure for the association.
COVER YOUR CAMPUS THE RIGHT WAY.
Kelly Insurance Group structures garden-style programs for campuses of every size. Since 1881.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.