Condominium Insurance Quote Forms
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Condominium Insurance Information
If you are a condo owner or are considering becoming one, you will need a specific type of homeowners insurance called condo insurance.
What Is Condo Insurance?
Condo insurance is a policy that can cover what your condo association’s master policy doesn’t. This could include theft, property damage inside your unit or someone injured in your home.
What Does Condo Insurance Cover?
Condo insurance policies typically include the following coverages:
Personal property coverage may help pay to replace furniture and other belongings if stolen or damaged due to an event listed in your policy.
Additional living expenses or loss of use coverage may help cover the costs of hotel bills and other expenses if your condo becomes temporarily uninhabitable due to a covered event.
Personal liability coverage may provide financial assistance to help cover legal fees, settlements and judgments if you are sued for negligently causing a third party’s injury or damaging someone else’s property.
Medical payments coverage may help pay for medical costs associated with someone getting injured in your home, regardless of who was at fault.
Condo insurance usually helps cover losses from the following incidents:
Fire and smoke
Ask your property manager or condo board member for a copy of your association’s master policy. This will help you and your insurance provider decide the extent of coverage you need.
Is Condo Insurance Required?
Condo insurance is not legally mandated, but your mortgage lender and/or condo association will likely require it to protect their interests. Without condo insurance, you would be responsible for paying for costly incidents out of pocket.
Condo Insurance Quote in Marietta, GA
If you want to learn more about condo insurance, contact Granite Risk Advisors. Our agents can help guide you through the insurance buying process and advise you on the best solutions for your needs.