If you own a condominium, you may think regular homeowner insurance is sufficient to protect your investment. However, you’re better off purchasing specialized condo insurance to cover you where condo ownership is unique.
Like homeowner insurance, condo insurance covers you in the event of things like fire or storms that cause serious damage to or loss of personal property. It can even cover you if your condo is rendered uninhabitable and you need to live elsewhere during repairs.
One nice feature of condo insurance is that you can get coverage for any upgrades you have made to your unit, such as hardwood flooring or kitchen cabinetry. You can also elect to purchase full value personal property coverage, which gives you the full replacement cost of your belongings without any depreciation.
We can tailor an insurance policy for you that works with your HOA agreement and ensures anything that is your responsibility is covered in the event of a claim. If you’re not sure about what condo insurance you need, we can help you select the right elements. We’re proud of how well we educate condo owners in the St. Augustine, Florida area about their insurance options, and we love knowing all of our customers are completely satisfied.
Extra coverage to give you the peace of mind you need doesn’t have to cost a lot. At Gilliland Insurance Group, we work with our clients to find the right insurance that fits both their requirements and their budgets. The advantage of using independent agents is that we have a huge range of insurance products available to us, so we can find the protection you need.
You may want to add a personal umbrella liability policy for extra protection, especially for dog owners, or you may wish to add coverage of valuables like art, antiques, jewelry, or collectibles.
To find out more about condo insurance for your unique situation, reach out online or give us a ring today at 904-824-9877. Your ideal condo insurance policy is just a phone call away.