Budget-Friendly Condo Insurance Available in Massachusetts

To many people, condo living is ideal. It offers the ability to own real estate without the time-consuming maintenance of a house and serves as a great alternative to an apartment. In Massachusetts, A-Affordable Insurance helps owners navigate the complicated aspects of condo insurance to ensure their investment is protected. By offering affordable policies and a simple process, more residents can access the coverage they need.

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The Importance of Condo Insurance

Your condo or homeowners association (HOA) will have its own master policy. The HOA insurance covers the structures, equipment, and property belonging to the entire association, as well as liability for accidents that happen in common areas. What it doesn’t protect, however, is the interior of each individual condo. Condo owners are responsible for insuring the following:

  • The space within the individual condo
  • Personal property and belongings
  • Improvements made to the condo
  • Fixtures and appliances owned by the resident

Many HOAs require members to purchase a personal condo insurance policy to ensure every unit is protected. Even if yours doesn’t, however, your home and personal property will not be protected without one.

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What Does Condo Insurance Cover?

A-Affordable Insurance’s policies for condo owners typically cover the parts of a condo that the owner is individually responsible for. They offer protection from the following damages:

  • Fire and smoke damage
  • Wind, snow, hail, and storm damage
  • Vandalism and theft
  • Accidental sewer discharge
  • Injury claims filed by guests

However, flood and earthquake damages are not typically covered by a basic condo insurance policy. If you live near water or in an area that’s vulnerable to floods and earthquakes, you should consider purchasing an additional policy to protect your property.

Finding the Right Amount of Coverage

Our team realizes the right amount of condo insurance coverage will vary between individuals. Your specific needs are influenced by your stage in life, the kinds of possessions you own, your financial situation, your comfort level when it comes to risk, and many other factors. That’s why it’s important to evaluate your needs before purchasing a policy.

First, it’s important to know how much your homeowners or condo association covers. From there, you’ll know how much you own is unprotected. An A-Affordable Insurance agent will help you evaluate the value of your possessions, your condo’s location, the levels of liability coverage you want, and your means in life to help you choose the right policy for your needs.

The A-Affordable Insurance Difference

A-Affordable Insurance was founded on the belief that everyone – even those with poor insurance policy payment histories – deserves access to insurance. We’re devoted to providing residents of Massachusetts with affordable policies to make sure your important investments, like condos, are protected.

With 15 convenient locations throughout the state and extended office hours, we make it easy for clients to receive the advice they need to find the best policy for their condo. To learn more about condo insurance or other types of coverage, request a quote or call us today at 800-89-SAVES (800-897-2837).

  • 5 star review  A-Affordable has been my insurance company for years now. I unfortunately lost my husband recently and he always took care of the insurance. I called and Jeremie from the Leominster office answered. Jeremie has been wonderful. He answered all my questions, helped me with my policy. I just renewed my policy which once again Jeremie helped me with. Made is so easy for me. My local Framingham office also deserves a shout out. Thank you and keep up the good work.

    thumb Mrs.Salty JP
    April 25, 2022
  • 5 star review  Jeremie goes above and beyond to deal with my insurance issues in a knowledgeable and prompt manner. His warm personality always makes each experience a positive one! I highly recommend A-Affordable, as I have also had great service from their other agents as well!

    thumb Jill Gordon
    April 22, 2022
  • 5 star review  I dealt with agent Jeremie Abreu, he was the best. Walked me through everything I needed to do on my end, very pleasant attitude. He had everything switched over in a matter of minutes for me, all I had to do was transfer plates on my end. THIS MAN DESERVES A BONUS!!!!

    thumb Floody Flodstrom
    March 31, 2022

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