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Condo Insurance

Many people mistakenly equate condo insurance with renter’s insurance. The truth is that if you own a condo unit, you need more coverage than a renter’s insurance policy provides. The reason is simple. You, and not the condo association, are responsible for everything within your condo, including cabinetry, wiring, wall coverings, floor coverings, light fixtures, faucets, and more. Cannon and Associates Insurance understands how confusing Virginia condo insurance requirements can be and we are happy to help you sort it all out and get the right amount of protection for your needs and your peace of mind.

What is Condo Insurance?

Condo insurance is an insurance product purchased by the owner of individual condo units. It will help you pay for repairs to your unit itself as well as your belongings should certainly be covered if perils occur. These often include things like fire, theft, vandalism, etc. Though, they may include other named perils specific to your insurance policy.

What this means for you is that if your condo is destroyed or damaged by fire, your insurance will cover the costs of repairs to your condo as well as the costs of replacing your damaged and/or destroyed possessions. It may even cover the costs of alternative living arrangements while your condo is under repair.

Your condo insurance should also have some type of insurance protection for liability. That means that if someone is visiting and is injured by slipping on a rug or some similar accident, you will have some protection (up to your policy limits and minus your deductible) for the legal fees and medical claims filed against you.

Because condos are units you own that provides a fair amount of customizability, it is important to work with an insurance agency like Cannon and Associates Insurance in Virginia to help you get the right kind of coverage for your unique insurance protection needs. Call us today or visit our office to learn how we can help.

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