Standard Coverages
Personal property
Your clothes, electronics, furniture, appliances, tools, power equipment, etc. are all covered (even if they're not in your condo). If you have expensive jewelry, art, or other items, you may need extra coverage. We offer that too! Just call us at the end of your condo insurance quote.
Example: Your roof leaks and water damages thousands of dollars’ worth of clothes, furniture, etc. Most associations won’t cover personal property unless you can prove negligence. So if they don't pay up, your condominium insurance would kick in to cover these.
Loss of use
If your condo is damaged, and you can't stay there during repairs, your additional living expense coverage kicks in. Condo insurance covers hotel stays and meals (above what you'd normally pay).
Example: A fire damages your condo, and you have to spend $2,000 to stay two weeks at a hotel. That bill would be covered, plus your meal expenses above your usual food costs. Make sure you keep your receipts.
Liability
Personal liability covers you if you're responsible for someone else's injuries or damages to their property. You can add extra coverages for libel, slander, or other lawsuits.
Example: A delivery person falls on your steps due to your negligence, breaks their leg, damages their merchandise, and then their company sues you. This will pay for their medical bills, lost wages if they can't work from an injury, and the damaged merchandise.
