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Condo

Condo Insurance Policies

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Everything You Need to Know About Condo Insurance

Your condo is an important investment. Many people assume that in an emergency, their condo will be covered by the condo association insurance. However, there are many things that are not covered by association insurance. It's important that condo owners protect themselves and their belongings by purchasing their own condo policy.
What Is Condo Insurance?

Condominium insurance covers damages to your own personal property as well as liability in the event of a fire, severe weather, theft, and other unfortunate events. It will cover your own personal items, including furniture, appliances, fixtures, and almost everything inside your condo. In addition, this type of insurance can cover other property that you are responsible for in your condo association agreement, such as a garage.
How Does This Insurance Work?

Condominium insurance is very simple. You select coverage for your condo based on what events are most likely to occur. Some types of coverage may cost more than a basic policy; an agent can help you to find a plan that meets your needs and is within your budget.

If an event occurs that causes damage and is covered by your policy, you contact your agent. They will let you know what documentation you need. You can then move forward with making repairs and getting on with your life. All condo owners should have condo insurance.
Different Types of Coverage

There are several different kinds of condominium insurance. Most cover damage to your personal property that is not covered by association insurance. Some cover accidental bodily injury and other personal liability. Others cover your portion of larger bills for damage or liability when these bills are split between the association members.

Most people cannot afford to pay out of pocket for weather damage, personal liability, and other expensive and unforeseen events. Condominium insurance helps to keep your property and your family safe from a financial crisis.


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