Greater Seattle Condo Insurance

Building property coverage covers permanently attached property within your unit (walls, flooring, cabinetry, fixtures, etc.)  This may also be covered by your HOA’s master policy, in which case your condo insurance need only cover up to the master policy deductible. 

Personal property coverage covers your belongings, including furniture, electronics, clothing, kitchenware, etc.  The personal property limit is based on the value of your belongings.  HO6 insurance policies include sub-limits, which can be increased, on valuables and items that are frequently stolen.

Loss of use coverage covers additional living expenses (primarily a hotel, apartment, or rental home) if your home is rendered uninhabitable by a loss covered under your condo insurance policy.  The loss of use coverage limit should be based on your living expenses and the time it might take to rebuild your condo building.  

Guest medical covers medical expenses if a guest injures themselves.  Keep in mind that if a guest holds you responsible for injuries, the liability coverage under your HO6 insurance policy would respond, so we consider guest medical coverage to be optional.

Liability coverage protects you financially if held responsible for most injuries or property damage outside of a motor vehicle.  Examples are injuries caused by a trip/slip on your property, dog bites, or while playing sports.  We recommend condo insurance liability limits of at least $300,000.  

Loss assessment coverage, available under HO6 insurance, typically helps pay HOA special assessments after a loss that is covered by the association’s master policy, when that master policy has a large deductible or exceeds coverage limits.

Identity fraud coverage, available under condo insurance, primarily covers legal fees and lost wages associated with the restoration of credit after identity theft.