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Latest News from Al Hattie Insurance

Condo Insurance 101

posted by Al Hattie Insurance    |   January 18, 2015 21:30

Did you know, your condominium building has insurance on the structure but no coverage for your belongings or any improvements that have been made to your unit? This is where Condo Insurance comes in. Whether you're living in the unit or renting it, Condo insurance is designed to provide you with that coverage your building lacks. Coverage for your belongings, for your renovations and upgrades, additional living expense, contingent coverage and building deductible assessment that keeps you protected if your building itself isn't adequately insured or the building deductible gets transferred to you. They all provide you with personal liability and can be upgraded to include several options, including:

- Increased Limits for property with specific amounts of protection, like jewelry or musical instruments

- Reduced Glass Breakage Deductible

- Sewer Backup

- Voluntary Firefighting coverage

- Watercraft coverage

- Seasonal Home coverage

- Rental Home coverage

 

You may be eligible for discounts if:

- claims free for over 3 years

- approved monitoring and security system

- fire resistive structure

- above third floor

- age and loyalty

- you choose a higher deductible

 

We ask that you take a moment to fill out a record of your belongings. You can print off an inventory worksheet to fill in values and year of purchase to most household items. Once you have a fairly complete list, add up the total replacement value plus an amount for restoration expense. This is what you will be wanting to base your coverage for under your contents. You can then contact us (1-888-450-2700), visit our office, or request a free quote online with this value we can discuss your options and what policy will best suit your needs and budget.

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Condo Insurance

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