A condominium/co-op insurance policy is designed specifically to meet your unique homeowner needs, including coverage for your personal possessions, structural improvements made to your living space and additional living expenses incurred due to an accident.
Your Tursted Condo Insurace Agency
When selecting condo/co-op coverage, it’s important to determine what is covered by your association’s master policy and what items are your responsibilities. Typically, your condo/co-op association carries an insurance policy for common areas, such as the lobby, walkways, boiler, basement, etc.
Understanding your Condo Insurance
A personal condominium/co-op policy will help to safe guard you from losses to your personal property and the interior of your unit. As such, you will need to estimate:
- The cost to repair or replace the inside of your home if it were damaged
- The cost to replace the contents of your home
We recommend insuring your personal property for its replacement-cost value to help you replace yesterday’s purchases at today’s price tags.
In addition to your belongings, the liability-to-others portion of your policy covers you against lawsuits for bodily injury or property damage that you or a family member—and some cases, pets—cause to other people. It pays for both the cost of litigation and any court awards, up to the limit of your policy, and covers you at home or away.
Additional Coverages to Consider
Unit assessment coverage: This coverage reimburses you for the expense passed on to you by the association as long as the cause of loss was covered by the association’s policy.
Sewer backup: This coverage insures your property for damage by the backup of sewers and drains (does not include flood protection).
Flood or earthquake: These can strike anywhere, so it’s important to understand your risks and check into coverage options.
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