Condominium Dwellers Are Unique

When you own or rent a condo, you need insurance protection in more ways than one.  As the owner or renter of a condominium unit, your insurance needs are different from other homeowners.

 Here’s why:

  A master policy purchased by your condo association covers your unit’s building, the common areas, and the unit owners’ collective liability. But that policy does not cover damage to your personal belongings or property within your unit that is caused by vandalism, theft or fire. Nor does it cover your personal liability in the event of a lawsuit.

 A Condominium protection policy can provide the coverage you need at a price you can afford.  A Renters policy can provide the coverage you need when you are simply renting the condo.

To give you the maximum in flexibility and affordability, we offer solid, basic coverage that lets you add special options to fit your needs.

The essentials of quality protection

A Condominium protection policy can cover:

•  furniture

•  clothing

•  appliances

•  many other personal belongings

•  covered items you take while traveling

•  additional living expenses if you have to move out as a result of a covered loss

Personal liability coverage can provide you and your family with financial protection if someone is accidentally injured or their property is damaged:

•  by you, your children or pets

•  while on your property

Your policy may also cover:

•  costs associated with defending you in a lawsuit related to injury or property damage

•  you, if your credit cards, ATM cards, or checks are  stolen or used without your permission

•  costs which the condo association assesses on all unit owners due to a loss on common property which exceeds the    master policy limit

Coverage is more important than price when a claim occurs so be sure you really have what you need.  Talk with a professional insurance agent today.