Luxury Property Insurance for Condominium Associations & Co-Ops
Your building is more than just an address.
It is a community of discerning owners, a standard of living, and one of the most significant assets your board is entrusted to protect. LUX exists so the insurance behind your mid- or high-rise condominium or co-op reflects that same sophistication — comprehensive in its protections and precise in its engineering.
We also recognize a simple fact: property insurance is the largest line item of your building’s insurance spend. It deserves a partner who treats it with the discipline that number demands.
The LUX Standard:
Consistent, predictable coverage
Stable terms and 100% single-carrier capacity, year after year.
Underwriting built around your building
Rated on your location and fire resistive construction, not class averages.
Broad all-risk protection
15+ coverages at full policy limit, including equipment breakdown, with catastrophe (CAT) exposure addressed in writing.
Engineering-led loss prevention
Plan review plus hot work permits, red tag permits, and impairment programs.
Claims handled with urgency
Handled by experienced in-house adjusters with quick response times.
Backed by FM Affiliated
FM Affiliated is our preferred partner for LUX placements. Learn more about FM Affiliated.
There's simply no comparison:
The LUX Standard
Typical Habitational Market
Coverage Specifics
125% Extended Replacement Cost
Coverage up to $500M
Earthquake Sprinkler Leakage
Full policy limits for EQSL
Building Ordinance Coverage
Full policy limits for Building Ordinance
Flood
Flood sublimit up to $25M
Is your building a LUX building?
If this describes your building, your board owes itself a conversation with LUX:
LUX performs especially well in major metro markets — such as San Francisco, Los Angeles, Chicago, New York, and other qualified low catastrophe (CAT) exposure locations.
Eligibility and final terms are subject to underwriting, location, construction, and catastrophe (CAT) exposure.
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Backed by FM Affiliated
FM Affiliated is our preferred partner for LUX placements.