Condo Insurance

Let’s help you avoid unexpected losses or gaps in your coverage.

Condo insurance is quite different from a homeowners or renter’s insurance policy. Most condominiums have a master policy set up by an association which covers the building, mainly structural items like the roof, windows and common areas for property and liability risks.

When purchasing a new condo or wanting change insurance carriers, it’s a good idea to make sure you share the condos association’s master policy with your insurance pro in order to make sure you have adequate coverage for your personal property and liability for what’s inside your walls or your own unit.

One item of concern is also to make sure your adequately covered for a Loss assessment in your condo policy in case the master policy owned by the condo association does not have enough funds to payout a legal judgement.

Don’t let your property improvements turn into a liability. Our expert condo insurance and co-op insurance advisors can help you get the right coverage and avoid expensive surprises when you experience a loss. Tailored condo insurance and co-op insurance solutions can include:

Loss assessment coverage: You’re covered when the association’s insurance policy doesn’t cover the total cost of damage to common areas or when a lawsuit is brought against the association.
Personal property coverage: Protect your contents against loss, both on and off the premises.
Valuable articles coverage: Get coverage for loss or theft of jewelry, art and other valuable items.
Liability coverage: Protect yourself against costly liability lawsuits arising from such occurrences as accidental water damage to a neighbor’s unit or someone slipping and falling in your condo.
Comprehensive personal liability coverage: This provides important protection if you or your family are sued.

It’s also vitally important to keep your condo insurance and co-op insurance policies up to date. When you acquire new possessions or your personal circumstances change, make sure to update your coverage.

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