Condo owners’ needs are unique in comparison to renters and homeowners. Condo associations generally take care of insuring common areas, and owners are responsible for insuring their unit and contents.
Our condo insurance policy will protect your unit and possessions – including furniture, appliances, and personal items – along with any upgrades you make along the way, such as new carpeting or additional fixtures.
It all starts with a conversation with one of our advisors, who will build a custom condo insurance policy to cover your needs – which may include:
- Personal Property Coverage: For household items in the event of fire, theft, or other loss.
- Improvements Coverage: For fixtures and improvements – including cabinets, flooring, and lighting – and other free-standing structures that may not be covered by your condo association’s policy.
- Loss Assessment: Provides additional coverage in the event your condo association levies an assessment on each condo owner to make common area repairs for a covered loss.
- Additional Living Expenses: Provides coverage for living expenses if your condo becomes uninhabitable due to a covered loss.
- Personal Liability Coverage: Pays for bodily injury or property damage caused to others from a covered incident.