Condo insurance is a policy that is purchased by the owner of a condo unit and your belongings if they are stolen or damaged by certain perils, such as fire or vandalism.

Condo insurance typically includes a few standard coverages to help you protect you, your condo unit , and your belongings. 

    *Personal Liability Coverage  if someone is accidentally injured while visiting your condo and you are at fault, this coverage may help you pay for related legal expenses or your guest’s resulting medical bills.

   *Guest Medical Coverage if a guest is injured in your home, guest medical coverage may help pay for related medical expenses even if you are not at fault.

   *Building Property Protection this type of coverage typically helps pay for repairs to the walls of your condo unit and it’s interior, Which could include items such as built in bookcases and fixtures, if damage is caused by a covered peril.

   *Personal Property Coverage belongings such as electronics,appliances, furniture, and clothing are typically included under personal property coverage. If they are stolen or damaged in a covered claim, this coverage may help pay to repair or replace them.

Condo owners can typically choose from different types of personal property coverage, which determine how much your policy will reimburse you after a covered loss.

Keep in mind that each coverage comes with a limit, which is the maximum amount you can be reimbursed  for a covered claim. You may also need to pay a deductible before your coverage kicks in.

When it comes to insurance for your condo unit you should make sure you have the coverage that fits your need our agent will tailor a policy that’s right for you