Condo Insurance

Great coverage and excellent service at reasonable prices from reputable insurers.

Properly insuring a condo unit requires a deep understanding of both the policy on the unit and the master policy on the building, as one influences the other.

Your building should be covered by the association’s master policy, but your belongings and liability exposures are not, and the interior of your unit may not be.  Unlike many agencies, we take the time to research the policy on the building to prevent gaps or redundancies.

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Insurers We Work With

We work with a variety of Insurers but here are a few of our most popular.

Available Coverages

Building Property (Dwelling)

 Covers permanently attached property within your unit (walls, flooring, cabinetry, fixtures, etc.)  This may also be covered by your association’s master policy, in which case you need only cover the master policy deductible. 

Personal Property

Covers your belongings, including furniture, electronics, clothing, kitchenware, etc.  Coverage is based on the value of your belongings.  There are sub-limits, which can be increased, on valuables and items that are frequently stolen.

Loss of Use

Covers additional living expenses (primarily a hotel, apartment, or rental home) if your home is rendered uninhabitable by a covered loss.  Coverage is based on living expenses and the time it might take to rebuild.  

Medical

 Covers medical expenses if a guest injures themselves.  Keep in mind that if a guest holds you responsible for injuries, liability coverage would respond, so we consider this coverage to be optional.

Liability

 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 limits of at least $300,000.  

Loss Assessment

Typically helps pay special assessments after a loss that is covered by the association’s master policy, when that master policy has a large deductible or exceeds limits.

Identity Fraud

 Primarily covers legal fees and lost wages associated with the restoration of credit.   

Find a better policy.

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With our easy process, you can rest assured knowing that you are getting the best value and most coverage for your dollar.

Collect the bare minimum information.

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