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Ah, the joys of a single-family home: mowing the lawn, shoveling the sidewalk, cleaning the gutters, and taking out the trash, just to name a few! OK, so while you still have to take out the garbage (we’re guessing you’re not a fan of flies), there’s no doubt about it — the convenience of a condo insurance or co-op is tough to beat!

If you own a condominium, you’ll need condo insurance policy known as HO6 insurance. You need this policy even though your condo association has its own coverage.

Condo association insurance typically covers building exteriors and common areas. This type of home insurance, known as the master policy or home owner association (HOA) policy doesn’t cover what’s inside your condo.

Saving A Little Dough

Many discounts are available on condo and co-op policies, especially for certain safety features. For example, you may qualify for a discount if your unit has deadbolt locks or a monitored alarm system.

Condo & Co-Op Policy Coverages

A Condo / Co-op policy helps protect your personal property from a variety of losses such as fire and theft. In addition, condominium policies include liability coverage for certain kinds of accidents, such as a neighbor slipping on a wet floor in the kitchen.

These policies also protect the interior walls and fixtures (such as cabinets) of your unit, whereas the master policy typically covers the outer structure. Besides, you didn’t really want to have to go shopping for new roofing shingles anyway, did you?

Want to learn more? Call us at 888-546-1099 to speak to an agent who’ll be happy to break it all down for you.  We can even assist you in estimating the value of the contents of your condo.

Your questions, answered.

Enough coverage to replace your Drywall, Floor, Bathrooms, Kitchen, Windows, Doors e.t.c. Basically everything that belongs from the interior half of the exterior walls and common walls from your neighbors. The safest estimate is $75-$100 per sqft. For example if your Condo is 1,000 sqft, $75,000-$100,000 coverage would be enough for builders grade condo.

The average rate for Condo Insurance is between $250 – $750 depends on location and limit of coverage.

Recommended policy type for Condo Insurance is HO-6.

Condo insurance is a policy that is protecting the condo unit, purchased by the condo owner. It helps pay to repair your condo and your belongings if they are stolen or damaged by certain perils, such as fire or vandalism.