Since the association purchases insurance coverage on your condominium building, your coverage focuses on personal property within your living quarters. Our policy provides some building coverage up to the limit specified on a replacement cost basis and insures items in four categories:
Your personal belongings and those of family members residing with you are insured on an actual cash value basis up to the limit you select. These items are covered in your home, in transit, in storage anywhere in the world.
If your activity center, swimming pool, golf course or other community grounds or buildings suffer damage, you have $1,000 coverage to help pay your share for repairs.
If you are ever faced with a claim for injuring others or damaging others’ property, this coverage pays up to your liability limit for damages awarded to the “injured” party and also the cost of defending you, even if the suit is groundless.
“Goodwill” coverage up to $1,000. For anyone, who is accidentally injured on your property, whether or not you caused the injury. Also covered are medical expenses for anyone injured off your premises if you are liable (other than a family member who resides with you.)
Property – such as jewelry, furs, fine arts, silver, personal computers and sports equipment may be scheduled for additional protection.
Home Day Care Coverage
Earthquakes and Floods
Available Discounts – purchasing auto and home policies from the same company.
Anti theft Devices and Alarm Services