A condominium is different from a home because you don’t really have a yard, front or back and you don’t have to worry about snow removal or cutting the grass. Your condo association may insure the structure of your condo – but not the interior of your condo or your personal belongings. This is why you need Condo Insurance Coverage.
Condo Insurance Coverage is designed to protect your home and your possessions in case of unforeseen occurrences such as fire, theft, or water damage. With Wenzel & Associates Insurance, you will have the peace of mind that comes with knowing you have customized insurance for your needs from a provider you can count on.
Below you will find what can be included when purchasing Condominium Insurance Coverage however it depends on the state in which you live:
Coverage A – Dwelling Coverage. This is the part of the structure for which the unit owner is responsible. The responsibility is determined by the condominium association bylaws.
Personal Property – Coverage C
This condo insurance coverage protects your personal belongings, such as furniture, clothing and appliances. Certain possessions may be excluded or have only limited coverage.
Loss of Use – Coverage D
This Condominium Insurance Coverage is available when you cannot live in your condo due to a covered loss. It pays reasonable and customary living expenses up to the limit provided in your condo insurance policy.
Liability – Coverage E
Liability coverage protects you in two ways. First, it provides for your legal defense against a liability claim. Second, it pays any court judgments against you for covered losses, up to the condo insurance policy limit.
Medical Payments – Coverage F
This condominium insurance coverage pays emergency medical bills for anyone injured in your condo or any injury caused by a member of your family. All bills are paid up to your condo insurance policy limit, whether or not you’re legally responsible.
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