Condominium Insurance Coverage - Policies for unit owners in MA

Condo associations’ insurance usually covers shared, common spaces. This may include a condo unit policy, but that doesn’t protect work you put into your home, or the possessions that lay inside. Condo owner policies and condo contents policies make up for that gap in insurance coverage. Mixing together landlord and renters insurance, to bring you a condo policy specialized for your needs.

Protecting what is important.

Condo unit policies protect the shell of your unit, condo content policies protect everything that makes the condo your home here in Massachusetts. A condo contents policy insures everything from furniture and appliances to bed sets and clothing. Without condo contents insurance, everything within your home becomes an out-of-pocket expense in the event of a loss. Condo contents insurance shields against loss, or damage, caused by theft, severe wind, lightning strikes, frozen pipes and of course fire. 

Are you covered?

Condo polices can offer liability coverage. If a guest is injured in your home, it can cover medical costs. Additionally, it can cover you in case damages to another condo property that you are responsible for result in a lawsuit. Should your condo become unlivable, living expenses may also be covered.

With many options for condo policies it can be tough to decide which coverage is right for you. We walk you through different policies and can help you make decisions on which are right for you. Condo policies are inexpensive compared to the costly potential loss of all the items most important to you. 

Our agents make the confusing simple, they walk you through what your condo association covers and show you where the gaps in your coverage are. Contact us to speak to someone about personalizing your coverage. You can also make an appointment to meet at our insurance agency offices in Amherst and Pittsfield MA, or an agent may also be available to meet at your home or office anywhere in MA, depending on the services needed. We also have Boston area condo - coop insurance representatives serving East Boston, South Boston, Dorchester and most towns inside the Route 495 belt.

Condo Insurance policies available throughout New England.

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The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need. Ordinance 

What does condo insurance cover?

Your condo association’s insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions. Condo insurance is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance but is specially designed for your particular condo.

Protecting your personal property.

Condo insurance covers your personal belongings inside your condo unit. That means everything from your appliances to your clothes will be covered in the event of a loss. Without it, you would have to replace your lost or damaged possessions out-of-pocket. Condo insurance also covers damage caused by theft, fire, severe wind, lightning strikes, and frozen pipes. It’s important to note, however, that condo insurance does not usually cover flooding.

Liability coverage options.

In addition to property coverage, condo policies may also include liability coverage. For example, if a guest is injured in your condo, it will pay for their medical expenses. It can also cover you in the case of a lawsuit if you are responsible for damages to another condo property. Living expenses may also be covered if there is damage to your condo unit that renders it unlivable.

Getting you the coverage you need for your condo.

It can be confusing to figure out exactly what coverage you need for your condo unit, so we will work with you to find the condo insurance policy that’s right for you. On top of that, we can show you just how inexpensive condo insurance is in comparison to the potential costs of replacing your personal belongings out-of-pocket.

We make the process straightforward and simple, going over what your condo association doesn’t cover and how your policy can fill in the gaps. Contact us today to discuss your condo insurance options.