Condo Insurance

Condominium Insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically, you need coverage for your personal belongings and liability coverage in addition to coverage for your floors, walls cabinets and fixtures that your condo association probably will not cover. Every condo association insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.

  • Your Condo - If your condo suffers a loss, the policy can provide the additional coverage that your association’s insurance policy does not, including accidental damage, along with theft and vandalism.
  • Your Possessions - Parts of your condo are likely covered by your association’s insurance, but your personal possessions probably aren’t. Condominium insurance will cover your appliances, electronics, furniture and apparel.
  • Your Assests - Condo insurance can protect you against personal liability costs in the event you’re ever sued. The policy provides coverage for accidental bodily injury, medical bills, accidental property damage and lawsuits seeking damages.
  • Water Backup of Sewers or Drains - Backed up sewers or drains can wreak havoc, causing damage to floors, walls, furniture and electrical systems. Coverage for water backup is available with a wide array of limits to suit your needs.
  • Personal Property Replacement Cost - Covers repair or replacement of your personal property without a deduction for depreciation.
  • Ordinance or Law Coverage - Sometimes, local ordinances or laws can regulate construction, repair or demolition of your property. This coverage will pay to get you up to code after a loss.
  • Identity Theft Expense Coverage - Provides for expenses incurred when trying to restore your financial identity.

Our team understands that “one size fits all” is not an insurance option; we’d be more than happy to chat about your individual insurance needs.

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