Ah, the life of living in a condo … no grass to cut, no snow to shovel and no bushes to trim. Condos are a great alternative to owning a single family home or renting an apartment. Just make sure you have enough insurance to protect it!
Condo insurance coverage is unique. Your condo or homeowners association (HOA) will carry a master policy to insure the building and pay for accidents that occur on outside property or in common areas, but it’s usually up to you to carry your own personal condo insurance, also called an HO-6 policy.
Condominium policies help protect your personal property, the interior of your unit, and provide liability coverage for bodily injury or property damage to others.
Call A-Affordable Insurance Agency, Inc. at 1-800-897-2837, visit one of our 15 convenient locations, or fill out our quote request form to the right for a fast, free insurance quote. Our phone support hours are Monday-Thursday 8 am to 8 pm, Friday 8 am to 6 pm, and Saturday 9 am to 3 pm.
At A-Affordable, we open early and stay late for you!
Why You Need Condo Insurance
In most cases, your condo or homeowners association’s (HOA) coverage stops after the exterior walls. This means that you also need coverage for everything from faucets, fixtures, walls, and floor coverings to your furniture, cabinetry, and even your wall coverings. Essentially, any improvements you made to the condo, other than the bare bones of the building, are excluded from the association’s condo insurance coverage.
Your home is one of the biggest investments you will make and it’s important to protect it.
A personal condo policy (HO-6 policy) typically includes coverage for losses arising from:
- Fire or lightning
- Windstorms and other defined types of weather
- Accidental water discharge
- Injury claims filed by your guests
Things to Consider Before Starting Your Condo Insurance Policy
Before you purchase a condo insurance policy, it’s important to find out what the insurance responsibility of the HOA is and to consider the following:
- How much insurance coverage do you need for your prized possessions?
- Do you need actual value or replacement cost?
- Is additional coverage needed for valuables (antiques, jewelry, electronics, etc.)?
- Is flood or earthquake insurance a wise investment given the condo location?
- What kind of liability coverage do you currently have or wish to have?
Once you know what your condo association covers, we can help guide you through the rest!
Of course, your needs will vary according to your stage in life, the possessions you have obtained, the value of these possessions, and your comfort level when it comes to risk.
The one risk you can’t afford to take, though, is the risk of going without insurance for your condo altogether.
No appointment is necessary. You can drop by one of our 15 local offices at your convenience or we can even start a policy over the phone if you’re pressed for time. Just give us a call at 800-89-SAVES (800-897-2837) or fill out the quote request form above. Our phone support hours are Monday through Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm and Saturday from 9 am to 3 pm.
At A-Affordable Insurance we open early and stay late for you!
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