Condo Insurance
We Build Condo Policies Specifically For You.
Condo associations typically secure insurance for the
building and the common property in the building. However,
this "master policy" does not cover the interior walls within
your unit, fixtures, appliances, and furnitures. Your condo
project's "master policy" also does not offer you protection
against liability arisen in your apartment.
You can choose basic coverages or upgrade your policy to
help protect your assets with higher limits and against more
perils for an additional premium.
Schedule Personal Property
Schedule Personal Property offers additional coverage for
some more expensive personal properties, such as jewelry,
furs electronics, watches, and sports equipment.
Personal Umbrella Policy
Personal Umbrella Policy offers additional protection against
personal liability suits beyond what is included under your
auto or condo policies.
Identity Restoration
Identity Restoration protects you against identity theft by
reimbursing you up to $25,000 for covered expenses to
restore your credit.
Solid Protection at a Competitive Price
We offer many discount to save on premiums:
We take the time to:
What's in a Condo Insurance Policy?
The interior of your condo unit and your personal property are
typical protected from the following list of perils:
The condo policy also offers the following coverages:
Guest medical protection - this coverage pays for medicalexpenses incurred as a result of injuries suffered by visitors
at your condo unit, whether the injury is the result of your
negligence.
Additional living expenses - this coverage pays for
reasonable increases in living expenses, such as hotel,
should your condo unit become inhabitable after a covered
loss.
Liability - this coverage pays for bodily injury and property
damages you are legally obligated to pay. It also pays for
the legal expenses such suits bring about.
Loss from theft - this coverage pays for your personal
property loss against some on- and off-premises theft. Note
that this coverage is subject to policy terms and conditions.
For instance, a GPS, which is meant to be used in a vehicle,
is not covered in the condo policy.
We Build Condo Policies Specifically For You.
Condo associations typically secure insurance for the
building and the common property in the building. However,
this "master policy" does not cover the interior walls within
your unit, fixtures, appliances, and furnitures. Your condo
project's "master policy" also does not offer you protection
against liability arisen in your apartment.
You can choose basic coverages or upgrade your policy to
help protect your assets with higher limits and against more
perils for an additional premium.
Schedule Personal Property
Schedule Personal Property offers additional coverage for
some more expensive personal properties, such as jewelry,
furs electronics, watches, and sports equipment.
Personal Umbrella Policy
Personal Umbrella Policy offers additional protection against
personal liability suits beyond what is included under your
auto or condo policies.
Identity Restoration
Identity Restoration protects you against identity theft by
reimbursing you up to $25,000 for covered expenses to
restore your credit.
Solid Protection at a Competitive Price
We offer many discount to save on premiums:
 | Original buyer of a newly built condo | |
| Central station monitored alarm system | |
| Auto and condo policies with the same insurer | |
| Over 55 years of age and retired |
We take the time to:
| review your individual and family needs | |
| decide which coverages fit your needs | |
| comparative shop various insurance companies | |
| show you other insurance products for auto, | |
| motorcycle, boat, life and business |
What's in a Condo Insurance Policy?
The interior of your condo unit and your personal property are
typical protected from the following list of perils:
| Fire | |
| Lightning | |
| Smoke | |
| Explosion | |
| Wind and hail | |
| Falling objects | |
| Freezing of plumbing | |
| Vandalism and riot |
The condo policy also offers the following coverages:
Guest medical protection - this coverage pays for medical
at your condo unit, whether the injury is the result of your
negligence.
Additional living expenses - this coverage pays for
reasonable increases in living expenses, such as hotel,
should your condo unit become inhabitable after a covered
loss.
Liability - this coverage pays for bodily injury and property
damages you are legally obligated to pay. It also pays for
the legal expenses such suits bring about.
Loss from theft - this coverage pays for your personal
property loss against some on- and off-premises theft. Note
that this coverage is subject to policy terms and conditions.
For instance, a GPS, which is meant to be used in a vehicle,
is not covered in the condo policy.
 |  |  |  |  |  |
MY Insurance Agency
Do I really need condo
insurance?
My condo association already has
an insurance policy that covers the
building. That's sufficient for me,
right?
Think again.
As a condo unit owner your
monthly common charges help to
pay for the "master policy". The
master policy only covers the
building, commonly owned
properties, such as hallways,
elevator, boiler, basement and
roof, and provides liability
insurance for the condominium
association. However, the
"master policy" does not cover
losses to your own unit.
If a covered peril damages the
building, the "master policy" pays
for the repair of the building and
the replacement of the building
property, but not your property in
your apartment. If a guest at
your Christmas party, or a
contractor you hire to install a
light fixture, falls over the coffee
table and is injured, the "master
policy" does not cover you for
legal expenses and damages you
are obligated to pay. That's why
you need condo insurance
designed specifically for condo
owners.
Condo insurance protects you
from losses to your personal
property, such as your hi-def TV,
and the interior of your
apartment. It also provides
liability protection against lawsuits
for bodily injury or property
damage to others.
insurance?
My condo association already has
an insurance policy that covers the
building. That's sufficient for me,
right?
Think again.
As a condo unit owner your
monthly common charges help to
pay for the "master policy". The
master policy only covers the
building, commonly owned
properties, such as hallways,
elevator, boiler, basement and
roof, and provides liability
insurance for the condominium
association. However, the
"master policy" does not cover
losses to your own unit.
If a covered peril damages the
building, the "master policy" pays
for the repair of the building and
the replacement of the building
property, but not your property in
your apartment. If a guest at
your Christmas party, or a
contractor you hire to install a
light fixture, falls over the coffee
table and is injured, the "master
policy" does not cover you for
legal expenses and damages you
are obligated to pay. That's why
you need condo insurance
designed specifically for condo
owners.
Condo insurance protects you
from losses to your personal
property, such as your hi-def TV,
and the interior of your
apartment. It also provides
liability protection against lawsuits
for bodily injury or property
damage to others.