Condominium Insurance Quote Forms
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Condominium Insurance Information
What is condominium insurance?
Condo insurance is similar to homeowners insurance but is designed for the specific needs of condo living. In this environment, the main structures of all buildings and common areas (from the inner condo walls and out) are covered by an insurance policy held by the condo association. However, a personal condo insurance policy will cover property damage and liability risks of the unit owner.
Who benefits from condominium insurance?
Condo insurance is beneficial for all condo owners as well their visitors. In fact, most mortgage lenders require condo owners to purchase a policy for the duration of their loan. Condo insurance will cover damaged, lost or stolen property due to fire, theft or natural disaster. This protection extends to interior furnishings, including walls, flooring, ceilings, appliances and fixtures.
In addition, this type of policy will cover you against liability claims. If you are found liable for a visitor’s injury, condo insurance could cover associated medical expenses and/or legal fees.
How much condominium insurance do you need?
The necessary amount of condo insurance largely depends on the value of your possessions. By determining how much it would cost to replace your possessions, you can estimate the policy size that would be appropriate for your individual needs.
Contact us today so we can help sort through it all for you or stop in our office at 402 N. Main St, Adrian, MI.