If you rent or lease a condo, you need to protect your property with condo insurance.
What does condo insurance cover?
Your condo association’s insurance policy typically covers the building’s structure and shared areas, but it might not cover upgrades you’ve made to your unit or your personal belongings. Condo insurance fills this gap. It combines elements of both landlord and renters insurance, providing tailored protection for condo owners like you.
Protecting your personal property in your condo.
Condo insurance protects your personal belongings within your unit, covering everything from appliances to clothing in case of a loss. Without it, you’d have to pay out of pocket to replace those items. Your policy may also cover damage from theft, fire, strong winds, lightning, and frozen pipes. However, it’s important to remember that flood damage is typically not included in standard condo insurance.
Find Your Coverage
We’re here to help you explore your coverage options.
Contact Chip Berry Insurance
Milford, OH Office
1077 OH-28 Ste 205,
Milford, OH 45150
Call: 513-444-2100
Email: cberry@berry-agency.com
Know your liability coverage options when living in a condo.
Beyond protecting your belongings, condo insurance often includes liability coverage. This means if a guest gets hurt in your condo, the policy may help pay for their medical bills. It can also protect you if you accidentally damage someone else’s property and they sue you. Additionally, if your condo becomes uninhabitable due to a covered loss, your policy may cover additional living expenses like temporary housing and meals.
Who is responsible for medical expenses from injuries?
If a guest gets injured in your condo, you could be held liable for their medical bills. That’s why it’s important to have medical expenses coverage as part of your condo insurance. This coverage helps pay for their medical costs, up to the limit you choose, protecting you from potentially high out-of-pocket expenses.
Are additional living expenses covered?
If your condo insurance includes additional living expenses coverage, it can be a lifesaver if your condo becomes uninhabitable due to a covered loss. This coverage can help pay for temporary housing, like hotel stays or short-term rentals, as well as meals and other necessary living expenses while your condo is being repaired or rebuilt.
Step 1
Fill out the form.
Step 2
Review your options with us.
Step 3
Get the coverage you need.
Condo Insurance Quote Request
Don’t like forms? Contact us at 513-444-2100 or cberry@berry-agency.com.