Condominium Insurance | Coverages

Dwelling Coverage

Coverage for the interior construction components of the Condominium Unit including flooring, walls, cabinets, light fixtures, countertops, toilets and bathtubs.

Personal Liability

Provides coverage for incidents occurring anywhere in the world and protects against lawsuits for which you may be liable.

Personal Property Replacement Cost

Covers repair or replacement of your personal property without a deduction for depreciation.

Identity Theft Coverage

Provides coverage for expenses incurred when trying to restore your financial identity.

Loss Assessments Coverage

Covers your portion of an assessment made by the Condominium Association for repairs to common areas.

Medical Payments to Others

Coverage for others that may be injured at your residence.

Additional Living Expense

Pays for additional expenses if you are unable to live in your residence after a covered loss.

Optional Coverages

Guaranteed Home Replacement Cost

This covers the cost to rebuild your home after a loss irrespective of the Dwelling Limit on your policy.

Water Back Up of Sewer or Drain

Covers outside water that enters the plumbing system and backs up inside the home through drains.

Ordinance or Law Coverage

Local ordinances or laws regulating construction or repair of the home. This coverage will pay for code updates if the insurer is paying a claim on a covered loss.

Equipment Breakdown

Covers electrical and mechanical failures of equipment at your home, from air conditioners and heating units to computers and major appliances.

Identity Theft Coverage

Provides coverage for expenses incurred when trying to restore your financial identity.

Personal Articles Coverage

A rider added to your policy to cover items such as jewelry and watches at their face value.

Personal Injury Coverage

Covers claims from defamation of character, libel and slander. This coverage can be separate from the Personal Liability Coverage on your policy.