CONDO OLD

[vc_row css=”.vc_custom_1560793098479{padding-bottom: 50px !important;}”][vc_column css=”.vc_custom_1560787615631{padding-bottom: 45px !important;}”][ultimate_heading main_heading=”you should always consider coverage for any upgrades or renovations you have made to your condo and always have an inventory of your personal belongings.” sub_heading_color=”#045a97″ main_heading_style=”font-weight:bold;” sub_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” main_heading_font_size=”desktop:21px;”]Condo and townhome living provides many amenities and lifestyle conveniences. What’s not convenient is being uninsured and unprotected. Don’t assume your condo association’s master policy protects you and your personal property. It’s important to find out exactly what your association policy covers so that we can guide you through the process of getting the right protection.[/ultimate_heading][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces”][vc_column][dt_fancy_separator line_thickness=”1″][/vc_column][/vc_row][vc_row css_animation=”bounceInUp” bg_type=”bg_color” bg_override=”full” bg_color_value=”#f1f1f1″][vc_column][ultimate_heading main_heading=”WHY CONDO INSURANCE?” main_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_style=”inset” line_height=”1″ line_color=”#0b4da3″ line_width=”70″ main_heading_font_size=”desktop:25px;” el_class=”line_seperator_heading” margin_design_tab_text=””][/ultimate_heading][/vc_column][/vc_row][vc_row css=”.vc_custom_1560787254950{padding-bottom: 40px !important;}”][vc_column width=”1/2″][vc_single_image image=”2540″ img_size=”medium” css_animation=”bounceInRight” lazy_loading=”true”][/vc_column][vc_column width=”1/2″][vc_column_text css_animation=”fadeInDown” css=”.vc_custom_1596283450796{padding-bottom: 10px !important;}” el_class=”product_explanation_righ_side”]Your homeowners association’s master policy typically limits coverage to certain elements such as the building exterior, walkways, landscapes, and common areas. It does not cover your personal belongings, including countertops, fixtures, and other installations within your unit.

Nor does it protect you from any liability claims against you. So, this coverage can protect your bank account from the cost of repairing or replacing the personal property or paying medical and legal fees.[/vc_column_text][/vc_column][/vc_row][vc_row css_animation=”bounceInUp” bg_type=”bg_color” bg_override=”full” bg_color_value=”#f1f1f1″][vc_column][ultimate_heading main_heading=”WHAT’S INCLUDED IN CONDO INSURANCE” main_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_style=”inset” line_height=”1″ line_color=”#0b4da3″ line_width=”70″ main_heading_font_size=”desktop:25px;” el_class=”line_seperator_heading”][/ultimate_heading][/vc_column][vc_column width=”1/2″][vc_column_text el_class=”whats_included_in”]

Covers repairs to walls and condo interior, including built-in fixtures, bookcases and countertops.
Replacement or repairs to personal property such as furniture, appliances and clothing due to a covered risk, including theft.

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It includes Loss Assessment coverage.
Helps with medical payments to others injured while in your condo, including payment for legal fees incurred as a result of a related claim.

[/vc_column_text][/vc_column][vc_column el_class=”call_us_in_product_page”][vc_column_text css_animation=”bounceInRight”] Call us for a quote or questions regarding Auto Insurance at +1 713 369 0997[/vc_column_text][dt_default_button link=”url:%2Fmodern-business%2Ftestimonials%2F|||” smooth_scroll=”y” size=”medium” btn_width=”btn_fixed_width” custom_btn_width=”300″ button_alignment=”btn_center” animation=”fadeInDownBig” icon_size=”14px” icon_type=”picker” icon_picker=”far fa-question-circle”]CLICK HERE FOR QUOTE[/dt_default_button][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][ultimate_heading main_heading=”FULL COVERAGE DETAILS” main_heading_color=”#045a97″ sub_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_height=”1″ line_color=”#025b95″ main_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:18px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” line_width=”60″ main_heading_font_size=”desktop:25px;”]Depending on the policy and coverage selections you make, your auto policy may provide the following coverages, subject to policy coverage limits:[/ultimate_heading][/vc_column][/vc_row][vc_row][vc_column][ult_tab_element tab_style=”Style_2″ tab_animation=”Slide-Horizontal” auto_rotate=”Enable” tab_max=”on” font_icons_position=”Left” icon_color=”#031f4b” tab_describe_color=”#045a97″ container_border_style1=”border-style:none;|border-radius:3px;”][single_tab icon=”fab fa-themeisle” title=”Dwelling” tab_id=”1595641320249-3″][vc_column_text el_class=”tab_insurance_content”]

This covers the physical structure or dwelling up to the limit shown on your policy.
Coverage does not include detached structures, such as swimming pools (some Florida carriers do include this), driveways, fences, sheds or other structures not attached to the dwelling.
In the event of a total loss, this coverage should equal the cost to rebuild a new home.
Materials and labor are included and coverage is generally derived by the average cost to rebuild a home in your specific location.
General Perils include: Theft, Fire, Lightning, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism and Malicious Mischief.

NOTE: Land value is not included in the valuation of replacement cost on your dwelling.
*Please refer to your policy for a complete list of covered perils and excluded perils. On a Condo policy, this coverage is for additions and alterations. It picks up where your master association policy ends.[/vc_column_text][/single_tab][single_tab icon=”fas fa-building” title=”Personal Property” tab_id=”1595641320345-5″][vc_column_text css_animation=”none” el_class=”tab_insurance_content”]

This is to protect the personal belongings owned by you and located on the residence premises, up to the limit shown on your policy.
It includes all real property, i.e., appliances, furniture, clothing, artwork, silverware, dinnerware, cookware, audio-visual equipment, lawn care equipment, books and many other items.
General Perils include: Theft, Fire, Lightning, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism and Malicious Mischief.
Some types of property such as jewelry have special limits and need to be scheduled to be fully covered.
It is also important to have the replacement cost on contents endorsement, so your belongings are covered at replacement cost and not actual cash value.

*Please refer to your policy for a complete list of covered perils and excluded perils.[/vc_column_text][/single_tab][single_tab icon=”fab fa-creative-commons-nc” title=”Additional Living Expenses” tab_id=”1596272988101-2-10″][vc_column_text css_animation=”none” el_class=”tab_insurance_content”]

This provides coverage for additional costs you incur due to your home being uninhabitable in the event of a covered loss.
This includes housing costs, increased meal costs, increased laundry costs, etc. For example, if your home was not safe to reside in due to damage by a fire, this coverage provides funds for a rental home or apartment during the repairs.
This coverage generally ranges from 10% to 30% of your dwelling coverage.
Sometimes it is a time period and means reasonable cost incurred for that time period (typically 12 months).

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