Wall-to-wall coverage.
Condo associations have major insurance policies that only cover their responsibilities, which includes their property, any common areas, pools, and the physical structure of your condo.
Condo insurance gives you the coverage to rebuild the inside of your condo while your condo association’s master policy takes care of the outside.
So, let your association take care of those chores you don’t want to do like mowing the lawn or shoveling snow off the walkway, while we get busy helping you protect your personal belongings.
What to Cover
Personal property (AKA your stuff) – This means everything inside your condo that belongs to you. Your policy covers any damages to your belongings such as clothes, your four dozen house plants (no judgment – we love plants too!), appliances, furniture, and your collection of Tom Petty albums. Remember, if you have more expensive items such as jewelry, you’ll need separate coverage for that.
Upgrades and other customizations – If you’ve jazzed up your condo with fresh new upgrades like granite countertops, new cabinets, or a security system, your policy will cover any damages to your new upgrades.
Loss of use – Let’s say your condo is damaged, and you’re not able to live in it during the repairs. No problem! Your insurance will kick in and pay for your additional living expenses while you are displaced, up to your policy’s limits.
Personal liability – This covers any lawsuits brought against you or your family members if you’re responsible for someone else’s injuries or other damages that occur in your home.
Additional Coverages
Seeking extra protection? Here are a few extra coverages you can add to your condo policy.
Water back-up – If your condo or townhome experiences any water damage due to sump pumps or plumbing back-ups, this coverage will pay for the damage to your belongings and the water removal.
Personal injury – This covers any rare, but expensive, lawsuits, including slander or libel, wrongful eviction, and more.
We’re here to search through policies from our 30+ insurance partners so you can feel confident you’re getting the best condo coverage possible at the best price! Get ready for insurance that gives you the warm and fuzzies – just like your favorite blanket.
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