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America's Choice Insurance Partners

38500 Assembly Park Dr
Wixom, MI 48393

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Michigan Condo insurance coverage

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Condo Insurance

What Is Condo Insurance?

Condo insurance is a type of policy that is tailored to meet the needs of condo owners. These policies will give condo owners liability coverage, as well as protect personal belongings. Condo owners will typically pay dues to a condo association, and that money will go toward maintaining living spaces and facilities, but it also goes toward a master policy that will protect the structure of the building and common areas. Condo owners are responsible for covering what is in their unit, which includes ceilings, interior walls, and floors with their own policy. An agent at America's Choice Insurance Partners can help find you the right policy for your situation.

Liability Coverage

Accidents can happen at any time, and if an accident occurs in your condo, then you are responsible for medical costs for those injured. Usually, liability coverage costs are less than what they are for homeowners because the risks are reduced. If an injury occurs outside the condo, such as at the pool or in the walkways, it’s part of the association’s master insurance policy.

Personal Property Coverage

One of the main reasons to have condo insurance is to protect your personal property. Insurance can protect you from the financial worry of repairing or replacing property that is damaged by fire, crimes, or weather. Keep in mind that if you have a lot of expensive property, such as jewelry, you will need a separate rider on your policy. Residents in condos live close together, so the threat of fire is worth noting. A fire that starts in a neighboring condo can also cause damage to your belongings. If snowfall damages the roof of the building, the master policy can be responsible for those damages, but any water damage that occurs to your personal property would have to be covered by your own policy.

Contact America's Choice Insurance Partners to get a condo insurance quote.


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