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Owning a condo comes with lots of perks. You can kiss exterior home maintenance goodbye and, in many cases, enjoy extras like a community swimming pool and gym. At Christian Insurance Agency, serving the Magnolia, TX region, we will make sure that your condo insurance is the perfect fit for your life and for your particular condo.
Condo insurance offers coverage similar to that provided by home insurance. However, with a condo, you are not responsible for insuring the exterior of your unit and the common areas. The condo association has coverage that insures the roof and exterior walls as well as liability coverage for the common areas.
Why Condo Insurance?
Property coverage
The property coverage of a condo begins where the condo association coverage ends. It covers the interior walls and permanent interior fixtures. These are things like kitchen cabinets, light fixtures, bathrooms, large appliances, etc.
Content coverage
Content coverage protects your furniture, personal property, electronics, decor, and more. Like home insurance, you have the option of choosing how this is covered, at replacement cost or actual value, which is what it is worth today with depreciation figured in. This coverage has limits on certain categories.
Liability coverage
Liability protects you when legal action is taken against you by someone who is injured while visiting your condo or by a member of your family.
Loss of use
Bad things happen, and when your unit is attached to another unit, you can be the victim of a hazard that happens nearby as well as one in your own unit. If your condo is so damaged that you can’t live in it, loss of use coverage will pay for a place for you to stay while your condo is being repaired.
Reach Out To Us
Give our office a call at Christian Insurance Agency in Magnolia, TX when you need information about condo insurance.