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How Does Condo Insurance Work?

If you own a condo, the chances are that your mortgage lender and your condo board both require that you have condo insurance coverage. If you don’t have your condo policy in place yet, call us at VIP Insured in Bellevue, WA to find out more. 

Coverage for Your Possessions

One of the most important parts of a condo insurance policy is that it covers all of the owned items that are inside. Your possessions are important to you, and it would be challenging to replace them all without insurance coverage. Several calamities and accidents can result in your things being ruined or destroyed, and having this coverage is a good way to stay protected against them. 

Coverage for Part of the Dwelling

When you own a condo, you don’t own the entire dwelling itself. You own the interior portions, but how deep that goes depends on your specific contract. For some condos, your ownership ends at the interior portion of the walls that face the exterior. In others, you also own what is inside the walls, making you responsible for much of the electricity and plumbing. Your condo insurance policy must take into account exactly which portions you own and must have insured. 

Coverage for Disasters

If there is a disaster or calamity that makes your condo uninhabitable, your condo policy will pay for you to move in somewhere else. It may also provide for many of the expenses involved in moving to a safer place. This type of coverage is essential for protecting your standard of living. 

Call an Agent

To talk to an agent about the condo insurance you need, call us at VIP Insured in Bellevue, WA.

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