The stairwell of an upscale loft condo unit with views of Miami skyline. Interior of a lux

CONDOMINIUM INSURANCE

Bundle your policies and save on both home and auto policies.

 

Additions and Alterations

A condo unit owner’s policy can also provide coverage in other situations as well. According to your condominium declaration and/or bylaws, and/or the state where you live, you may be responsible for interior parts of your unit such as glass, walls and doors. Additions, alterations and other improvements made to your unit can also be covered up to the dwelling coverage limit.

Personal Property

A condominium unit owner policy can provide coverage for your furniture and personal possessions against covered risks, such as fire, lightning and hail. Also known as “contents coverage,” it can help ensure that your property is protected up to the amount of protection you purchase.

Loss Assesment

Generally, condominium insurance can provide up to $1,000 of protection if damage to commonly owned property exceeds the amount of coverage in the condominium association’s insurance policy. If your condo association assesses all unit owners for the additional loss (or for personal liability claims against the association), this coverage can help. This amount may be increased.

Personal Property Coverage

Personal property coverage can help you pay for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Special limits of liability may apply to certain items.

Loss of Use Coverage

Loss of use coverage can help pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is typically subject to coverage terms and limits.

Personal Liability Coverage

Personal liability coverage can help protect you in the event of a claim. It also helps cover related costs if a legal suit is brought against you or a member of your household for bodily injury or property damage to others.

We offer many other personal insurance coverages, and discounts so if it is not listed here call or email us today for more information.

OPTIONAL COVERAGES

SPECIAL PERSONAL PROPERTY

This special coverage for personal property or contents can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners policy.

REPLACEMENT COST

Personal property replacement cost coverage helps cover personal property losses based on their replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry and watches.

WATER BACK UP

If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup.

ID THEFT

Falling victim to identity fraud could tarnish your name, ruin your credit, compromise your financial and medical history, or drain your assets. Once the damage is done, the road back to restoring what was yours can be both time-consuming and expensive.  TIA identity fraud expense reimbursement coverage can cover expense reimbursements up to $25,000.

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CONDO DISCOUNTS

MULTI-POLICY

Save up to 12% on average on home insurance when you have an auto policy and 3 other policies. These can include umbrella, boat, or a personal articles floater.

HOME BUYER

Available to customers who have purchased their home within 12 months prior to the policy effective date.

LOSS-FREE

Offered to eligible customers who have not experienced a loss within a specified time period.