Condominium Insurance

Your condo association holds a master insurance policy that may have coverage in place for a portion of your condo. It can be difficult to navigate through your condo documents, so Lallis & Higgins Insurance is here to review the master policy with you, and help uncover what you truly need to protect.

The most common items that need to be protected in your condo are your personal property, upgrades done to the condo unit, and damages or repairs that happen within your unit walls. This is why personal condo insurance is so important - condo insurance fills in the gaps left by your condo master insurance policy, and provides coverage in areas where you will need coverage that include:

  1. The permanent fixtures in your condo, such as your walls, ceilings, counter tops, etc.
  2. Your personal property, such as your furniture, electronics, appliances, clothing, etc. Theft, fire, or vandalism.
  3. Hotel, restaurant or similar expenses you may incur in the event that your condo is unusable due to covered loss.
  4. Legal responsibility or court expenses you may incur in the event that you are sued for bodily injury or property damage as a result of your negligence.
  5. Medical payment to others for injuries that occur at your condo or are caused by you or your pet. More than condo coverage. Care.
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