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Do I Need Insurance Form My Condominium?

Feb 14, 2018

If you own a condominium you need the same kind of insurance as any homeowner does. You also own personal property like clothes, guns, electronics and furniture that needs to be insured.

The condo association's insurance usually covers the common areas you share with others in your building (walls out), like the roof, basement, elevator, boiler and walkways for the associationís liability and physical damage, but not much more. These policies are intended to protect the association owner for direct damage to their property. Condo associations should also have Directors and Officers Insurance to protect against alleged or actual financial losses from third parties including individual condo owners.

That leaves a lot of items to be covered under a condo owner's property policy. Condo owner insurance typically covers what the condo association's insurance doesn't; personal property, liability, the owner's portion of the building, and loss of use. Condo owners also can purchase added coverage including water backup, flood, earthquake, umbrella, fine arts, and jewelry insurance.

Our goal is to protect you and your family from those unexpected events by finding the right coverage at an affordable rate. If you need Auto, Home, Umbrella or any other personal insurance coverage, we can tailor a package to fit your individual personal insurance needs.

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2133 3rd Ave #106 Seattle, WA 98121 | Phone: (888) 443-7744 | Fax: (206) 443-8335 | Toll Free: (888) 443-7744 | Email Us | Get Map
3911 5th Ave. Suite 200 San Diego, CA 92103 | Phone: (619) 312-4098 | Fax: (619) 688-4098 | Toll Free: (888) 443-7744 | Email Us | Get Map
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