Personal Property:
Provides coverage for your household items in the event of fire, theft or other covered loss. Personal property coverage is critical, as most condo association policies don’t provide coverage for your personal belongings.
Improvements:
Provides coverage for fixtures and improvements you’ve added, including cabinets, flooring and lighting as well as other free-standing structures that your condo association’s policy may not cover.
Loss Assessment:
Provides additional coverage in the event your condo association levies an assessment on each condo owner to make common area repairs for a covered loss.
Additional Living Expenses:
Provides coverage for living expenses if your condo becomes uninhabitable as a result of a covered loss.
Personal Liability Protection:
Pays for bodily injury or property damage caused to others as a result of a covered incident.
Guest Medical Protection:
Pays medical expenses for your guests who are accidentally injured on your property.
Workers’ Comp Coverage:
Pays medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.
Condos Rented to Others:
Provides liability and contents coverage on your condo when you rent it to others.