It’s crucial to protect the valuables in your condo. You, not the homeowner’s association, are solely responsible for your condo’s contents; it is a necessity to have a condo insurance policy.

Your condo association will have a master policy that will cover the property, common areas and physical structure of your building. However, the contents of your condominium, such as your carpet, your clothes and your furniture are not covered.

That’s why you need condo insurance.

Condo insurance will typically include coverage such as:

• Personal property
• Replacement  value of your primary dwelling and specified permanent attachments, up to a specific value
• Bodily injury if someone is hurt on your property (just like a homeowner’s policy)
• Liability for property damage
• Damage protection from dangers, such as fire, plumbing freezes, vandalism, glass breakage, etc.

A traditional condo insurance policy will cover damages to most of your personal belongings, as well as walls, floors and ceiling coverings. Most condominium associations will say that the owner is responsible for everything within the unit, including permanently attached fixtures and improvements such as kitchen cabinets and appliances.

When you’re ready to shop for Condo Insurance, also known as an HO6 policy, call Milt Marcy Insurance at 503-256-7530