Condo Insurance

The only thing worse than being under-insured is not knowing that you are…

Lawsuits affecting condo owners are common & costly.

If you or prior owners made permanent upgrades to your condo, such as wall coverings, cabinetry, bookcases, flooring or renovations to a kitchen or bathroom, they may or may not be covered by your building association’s policy. Manry Rawls Personal Insurance Consultants can help you get the right amount of coverage for permanent “additions and alterations” and avoid costly surprises at the time of a loss.

Whether you accidentally cause water damage to a neighbor’s unit or someone slips and falls in your condo, you could be faced with a lawsuit. That’s why it is important to work with an insurance specialist like Manry Rawls, who can help you get the right amount of liability coverage.

Here are some other coverages to consider in terms of your condo or co-op:

Loss Assessment

There are times when the association insurance policy is not sufficient to cover the total damage to the building or a lawsuit against the association. In that case, each of the unit owners will be assessed to cover the difference. Loss assessment coverage pays for the unit owner’s share.

Personal Property

This protects your contents (furniture, clothing, electronic equipment, etc.) against loss. We ensure that your policy is extended to include losses both on and off premises.

Valuable Articles Coverage

The Homeowner Policy provides a limited amount of coverage for your jewelry, furs, silver, etc. You can further protect your valuables by adding a rider to your policy.


Comprehensive Personal Liability protects you and your family if you are sued. This coverage provides protection both on and off premises.

Our clients are our friends, neighbors and partners. That’s why we take a special interest in protecting them.

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Our regular office hours are: Monday-Friday : 8:30am - 5pm


430 S Main ST
Emporia, VA

(434) 634-6131


22319 Main St
Courtand, VA

(757) 653-2413


301 N Main St 
Franklin, VA

(757) 562-6131


1801 S Church St, Suite 1
Smithfield, VA

(757) 304-6160


703 E Blvd.
Williamston, NC

(252) 792-2426
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