Condominium Insurance

Condo owners have different needs and requirements than single family home owners or renters. A condo policy should offer the following coverages:

• Personal Property
  Provides coverage for your household items in the event of fire, theft or other covered loss. Did you know that most condo association policies don’t provide coverage for your personal belongings?
• Additional Personal Property
  Provides additional coverage for antiques, fine art, jewelry and other valuables.
• Improvements
  Provides coverage for fixtures and improvements, such as cabinets, flooring and lighting, as well as 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 as a result of a covered loss.
• Personal Liability Protection
  Pays for bodily injury or property damage caused to others as a result of a covered incident.
• Guest Medical Protection
  Pays medical expenses for your guests who are accidentally injured on your property.
• Workers’ Comp Coverage
  Pays medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.
• Condos Rented to Others
  Provides liability and contents coverage on your condo when you rent it to others.

Be sure that you discuss your specific needs with one of our agents. You have the right to understand what you are purchasing.