Condo, Renters & Secondary Home Insurance in Delaware & Maryland

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Whether you’re renting your first apartment, living full-time in a condo, or escaping to your beach house on weekends, your insurance should fit your space and your lifestyle. We help residents and property owners across Delaware and Maryland protect the homes they live in—and the homes they visit. Condo and renters insurance policies work differently than standard homeowners insurance, and second homes come with their own set of risks. We’ll walk you through your coverage needs, explain what’s required (and what’s smart), and help you build a policy that works without overpaying

Coverage That Fits Where—and How—You Live

Flexible Insurance for Condos, Apartments & Vacation Homes

Coverage for a Variety of Living Situations

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Condo Insurance (HO-6 Policies)

Designed for unit owners in condo associations. Covers the interior of your unit, personal belongings, and liability—while the association typically insures the structure itself.

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Renters Insurance

Covers your belongings, liability, and additional living expenses if your rented apartment or house becomes unlivable. It’s affordable protection many landlords now require.

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Vacation & Secondary Home Insurance

Insures second homes, beach houses, and cabins that aren’t occupied year-round. Includes protection for property damage, liability, and seasonal risks like theft or storm damage.

Not sure what kind of policy you need for your second home?

Whether you own, rent, or manage, we’ll help you choose coverage that protects your property without paying for things you don’t need.

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Why Local Property Owners & Renters Choose Frankos

From college renters in Dover to condo owners in Rehoboth and vacation homeowners in Ocean City, we understand the mix of properties across the region—and how to insure them properly. Our independent status means more options and better answers for you.

Benefits of having insurance with us:

  • Policies tailored to occupancy type and property use
  • Clear guidance on HOA master policies and renter requirements
  • Options for short-term rental coverage and vacant homes
  • Access to multiple carriers for price and coverage flexibility
  • Licensed agents with local knowledge of flood, wind, and coastal risks
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Clear Answers for Renters, Owners & Seasonal Property Holders

Condo, Renters & Second Home FAQs

  • Do I need insurance if my condo association has a master policy?

    Yes. The association’s policy usually covers the building structure, not the inside of your unit or your personal liability. A condo (HO-6) policy fills that gap.

  • How much renters insurance do I need?

    That depends on what you own. We’ll help you estimate the value of your personal belongings and suggest coverage limits that make sense.

  • What makes a vacation or secondary home different to insure?

    Second homes are often unoccupied for longer periods and may be in coastal or high-risk areas. That changes your coverage needs and insurer requirements.

  • Can I insure my rental or vacation home for short-term rentals like Airbnb?

    Yes, but it usually requires a different policy or endorsement. Let us know how often you rent it out and we’ll match you with the right protection.