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Condo Insurance Policies
Millstone Insurance can help you select the right Condo Insurance policy for you. Each Condo Association Agreement is different and has different insurance coverages and requirements. They typically cover the insurance on the physical structure/building and other common areas. You are typically responsible for floors, walls, cabinets, fixtures, etc. Check with your specific association.
Condo Insurance Coverages:
Dwelling – Dwelling coverage for condos helps protect appliances and fixtures, along with any changes or improvements you make to your condo. It can also protect parts of the property that you are responsible for insuring under your property owners or condo association agreement.
Personal Property Protection – This can help protect the belongings that you keep in your condo including furniture, clothing, and appliances (depending on your policy’s limitations or exclusions).
Personal Liability – If someone who is not a resident of your condo suffers an injury or property damage for which you are responsible, this coverage can help cover your legal defense costs and other related things.
Loss of Use – This would help pay for your living expenses if you can’t stay in your condo because of a covered loss, like damage from a fire.
Medical Payments – If someone gets hurt on your property, this helps pay medical bills up to your coverage limits. It can also cover any injury that a family member or pet causes, even if it doesn’t happen in your condo.
