Whether you own a home or condo one of the most important things you’ll need is sufficient insurance to protect your condominium and all your belongings inside.

Why you need condominium insurance coverage

Even though the condo association most likely has insurance covering the shared areas and grounds of your condominium complex. If a theft or accident happens in your condominium that property damage to you will not be covered unless you have your own condominium homeowners insurance that can be customized to fit your unique needs.

Protect your condo from damage and theft

At any time your investment in your condo is at risk. Here are just some of the types of damage you can protect your home from:

• Windstorm and hail
• Smoke damage
• Weight of ice or snow
• Fire and lightning
• Freezing damage
• Falling objects
• Earthquake Damage

• Damage by vehicles
• Accidental electrical damage to appliances
• Leaking Pipes
• Vandalism
• Theft
• Water Damage

Protect yourself, your family and others

Not only do you have to worry about property damage. The biggest risk a home/condo owner faces is personal liability for any accidents, injuries, or deaths that may occur. Available coverage includes:

• Personal liability for you
• Personal liability for your spouse or significant other
• Personal liability for any relatives living with you
• Personal liability for persons under 21 in your care
• Protection against claims you’re legally obligated to pay

• Payment of the cost of defending claims against you
• Medical expenses of others
• Accidental death benefits

Condominium homeowners insurance discounts

There are lots of ways to protect your condominium from danger. Condo Homeowners Insurance Discounts are available for the following:

• Monitored fire and burglar alarms
• Local ultrasonic burglar alarms
• Fire extinguishers

• Deadbolt locks on all exterior entryways
• Sprinkler systems
• Condo insurance combined with auto insurance or other policies