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Get Condo Insurance That Fits You

If you own a condo, it’s important to ensure your home is properly protected from an unexpected catastrophe. While nobody ever anticipates an accident, being prepared is critical.

Just like any home, your condominium has unique considerations when it comes to getting insurance. I’ll ensure you’re covered and not left open to a heavy financial setback.

Condo vs. Homeowners Insurance
– What’s the Difference?

Condo insurance is typically more affordable than a homeowners policy because the condominium association generally takes care of the building and other shared structures under a master policy. Sometimes, that policy may also cover other unit items like appliances or flooring. It’s vital to understand what is covered and not covered so you can seek the proper insurance to take care of the rest.

What Does Condo Insurance Pay For?

Before obtaining insurance for your condo, it’s important to thoroughly understand the master policy and what’s included. You’ll need to make sure your interior unit is fully protected along with any other areas not sufficiently insured by the association.
For example:
Condo dwelling
The master policy may cover all or a portion of both public spaces, exterior structures, and interior structures. You as a condo owner should carry sufficient coverage to ensure your policy picks up what the overarching master policy doesn’t.
Condo liability
Since you generally will only need to worry about covering what takes place within your condo, liability insurance will take care of any accidents that happen inside your unit.
Condo loss assessment
Loss assessment coverage is a policy add-on that takes care of damage to common areas you’re assessed for in an HOA community.
Condo personal property
As one of the main coverages of your policy, personal property protection safeguards your personal property from damage caused by unforeseen events like theft or a fire.

If you’re renting a condominium, you will only need to carry renter’s insurance instead of a comprehensive condo policy.

Get a Policy Built Specifically for You

Whether you’re looking to lower your current premiums or you’ve just moved into a new condo, I can help. With access to dozens of carriers, I can put together a quote in minutes with some basic information. You deserve insurance built around your needs and budget, and I’m committed to giving you the peace of mind that your loved ones and valuables are adequately protected.
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