Condo Insurance

Here in Florida condominiums offer an alternative to traditional single-family home ownership.

The advantages to condominium ownership are many

  • Hassle-free groundskeeping
  • Maintenance of common areas
  • Access to amenities
  • Social living environment
  • Typically, condo complexes are conveniently located near shops and entertainment
  • A high level of security

Condominium insurance is designed to protect you, the condo owner, from financial loss if someone is injured within your home. It will also protect you from damages and losses due to burglary, fire, or other incidents.

You may have questions about Condo Insurance; Agency 54 and our licensed agents have the experience, knowledge and training to write quality condo coverage; and we have selectively partnered with the best industry carriers.

The best way to determine the right policy for you is to compare several different policies. This includes comparing coverage offering, as well as price

  • Homeowners Policy vs. Condo Policy?
    A traditional homeowners policy provides coverage for damage to the structure of the home as well as the contents within. Typically, the condo association will have a master policy that covers damages to the structure of the building and to the common areas. This policy also provides liability coverage for injuries that occur in common areas or on site facilities such as the gym or swimming pool.

    Because condominium association’s cover damage and injuries in common areas, condo owners can obtain insurance coverage that is less costly than typical homeowners insurance.

  • Why Have a Condo Policy?
    Condo insurance covers the personal property and liability risks faced by condo owners; it picks up where the condo association insurance leaves off.

    Condominium insurance is designed to protect you from financial loss if someone is injured with in your home. It will also protect you from damages and loss due to burglary, fire or other incidents.

  • What does condo insurance cover?
    When you own a condo you are responsible for covering any and all damages within your unit often including interior walls, flooring and ceiling’s. A condo insurance policy also provides coverage for personal property damage and liability risk.
  • Liability Claims
    If a guest is injured while in your condo and you are held liable, your condo insurance can cover some portion of the bodily injury claim, depending on your liability limit. Most policies also provide coverage for court costs and legal fees.
  • What is NOT Covered by Insurance for Condos?
    Condo insurance will not cover damages to personal property caused by flooding; you must have a separate flood insurance policy if rising water damages your home.

    Condo insurance will not typically cover damages to your property caused by your car or truck, or damage to your vehicles. In some cases you can add a recreational vehicle to the policy, the coverage offered for these vehicles is often very limited.

Don't wait, get a quote today!

[button use_icon=”yes” icon_type=”bt_icon_border” icon_color=”#ffffff” t_color=”#ffffff” b_color=”#013d54″ t_hover_color=”#013d54″ b_hover_color=”#00aeef” font_weight=”500″ url=”http://www.potrobrand.com/contact-us/” icon=”st-email-2″]GET QUOTE NOW![/button]

Insurance Carrier Partners

[partners_carousel_sc to_show=”6″ per_line=”4″ category=”Partners” partners_orderby=”rand” scroll=”yes”]
[button use_icon=”yes” icon_type=”bt_icon_border” icon_color=”#ffffff” t_color=”#ffffff” b_color=”#00aeef” t_hover_color=”#00aeef” b_hover_color=”#102e68″ font_weight=”500″ url=”tel239-432-5454″ position=”ta_center” icon=”draw-join”]VIEW ALL PARTNERS[/button]