Florida Condo Insurance
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Is that a condo or a townhouse?
The first step in insuring your condo is to make sure it’s not really a townhouse. With a condo you are typically responsible for insuring from the drywall inwards. The Condo Association’s master policy will protect the exterior structure and normally the fixtures. Townhouses require a homeowners policy that includes the structure and fixtures. At Ideal Insurance we will help you select the Right Florida Condo Insurance at an affordable rate.
Alterations & Improvements Covered?
To identify the right Florida Condo Insurance for you, we will need to know the Condo Association Master Policy’s coverage specifics and limits. Then we can help you evaluate how that impacts the coverage you desire for any alterations or improvements that you make to the unit.
Prepare for Loss Assessments
Your condo association agreement typically provides for the ability to assess condo owners individually for damages to the complex that are not covered by the Condo Association’s Master Policy. Depending on the location of your condo, you may want to increase the standard limit beyond $1,000. This may be done for as little as $5 or $10/year.
Make Sure To Adequately Cover Your Personal Property
The primary reason for your Condo Insurance is to protect your personal property. So we want to discuss in detail with you the coverage you require in case some items have preset limits that are insufficient.
Ideal Insurance is an independent Florida insurance agency that works with you to find the right type of Condo insurance protection for you. Don’t risk having inadequate coverage. Contact our office today at 941-921-2102 to review your coverage options and find the condo insurance that offers the right type of protection within your budget.
Located in Sarasota, Florida, we also serve Bradenton, Longboat Key, Siesta Key and communities throughout Charlotte and Manatee counties.
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