Get the protection you need for your apartment or condo.
公寓 insurance for the 路易斯维尔, KY region.
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.
Your condo 协会’s insurance policy likely covers certain aspects of your condo, 例如公共区域或共享区域. 作为一个结果, 它可能覆盖你的公寓单元, but not any 改进 you make or fixtures you add to the condo. It also won’t cover your personal possessions.
公寓 insurance is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance, but is specially designed for your particular condo.
公寓 insurance covers damage caused by theft, fire, severe wind, lightning strikes and frozen pipes. It’s important to note, however, that condo insurance does not usually cover flooding.
It can be confusing to figure out exactly what coverage you need for your condo unit, so we’re more than happy to work with you to find the condo insurance policy that’s right for you.
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任何修缮经费, 改进, 改变, or additions made to your condominium are subject to damage. 然而, it’s important to make sure they’re covered appropriately.
Be sure to obtain coverage for any betterments, 改进, 改变, 以及对单元的补充. 这包括, 但不限于, 厨房的橱柜, 内置的组合柜, 满地毯, 壁纸, 油漆, 浴室设备, 瓷砖和木地板, 和更多的.
Unpredictable losses can occur to your property due to burglary, fire, water damage, 风暴, 和更多的.
个人财产, 如家具, 地毯, 电视, 音响, 衣服, 和更多的 may be covered under your basic insurance policy. 然而, 珠宝之类的东西, 皮草, 银器, 古董, 收藏品, and other valuables should likely be insured separately.
Additional living expenses can be incurred if there is damage to your unit due to a fire, 风暴, or other event resulting in your need to live at a temporary residence.
Ensure you have the proper coverage in case you need to live elsewhere for a little while. Coverage usually includes hotel bills, 餐厅吃饭, and other living expenses incurred while your residence is being repaired or rebuilt.
You're responsible if a guest in your unit trips and falls or sustains an injury while on your property or if you cause damage to other units.
Be sure that you have coverage for claims made against you for bodily injury or property damage caused by your negligence, 无论有意无意. This might include damage to other units in the building, perhaps caused by a leaking pipe in your unit or otherwise.
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
If your building owner or 协会 suffers a loss and doesn't have adequate insurance coverage of their own, they may require you to help pay for the loss via an assessment.
Consider loss assessment coverage to protect yourself in the event of an assessment caused either by a property (building) or liability loss. A range of limits may be available.
Physical damage can happen in many ways. 作为一个例子, suppose a fire unexpectedly breaks out in the utility closet and consumes the building causing significant damage.
确保你的公寓主人, 协会, or corporation carries a comprehensive policy to cover the risk of physical damage. It’s important to know what the policy includes and what it doesn’t, which could range from covering just the shell of the building to including things like floors and walls.
As an independent agency, we offer multiple options at competitive prices.