Condo insurance is unique and no one policy circumstance is the same. Each community has their own master insurance coverage that may or may not provide any coverage to your individual condo unit. A condo policy can provide coverage for the interior of your condo, personal belongings, loss of use and even personal liability. Let Hawkguard Insurance Services examine your personal situation and craft an insurance policy that suits your needs.

Condo Insurance Coverages

Dwelling or unit owner coverage
This pays for any alteration or improvements to the interior of your condo that may not be covered on the master insurance policy. Such items may include, flooring, tubs, sinks, cabinets, countertops and cabinets to name a few.

Personal Property Coverage
covers the loss of your belongings if they are stolen or damaged due to a covered loss. Your personal property in most cases is value at replacement cost.

Personal Liability Coverage
If someone is ever injured on your property and you are held liable, your personal liability coverage will protect you.

Guest Medical
Pays medical costs, up to the limit selected by you, for guests who are injured at your residence, regardless of your legal liability.

Loss of Use
If you can't live in your house after a covered loss, this coverage will reimburse you for many of the increased costs of living in hotels, meals, etc., up to the applicable limit of insurance and for up to the time period specified.

Loss assessment coverage
Provides protection resulting from inadequate insurance obtained by the HOA association master insurance policy.