Insuring Florida for Over 30 Years
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Condominium Insurance
When you own a condominium unit, you — not your condo association's — you are responsible for what's inside your condo. That's why having a personal condo insurance policy is important. Condo associations have master insurance policies that cover the property, common areas and physical structure of your building. However, these master policies do not cover your personal property or your legal responsibility to others, and they may not cover improvements or customizations to your unit.
Coverage with Condo Insurance
A basic condo insurance policy will cover damages to most of your personal belongings, as well as walls, floors, ceiling coverings, etc. Most condominium by-laws or trust agreements state that the condo owner owns or is responsible for everything within the unit, including permanently attached fixtures and improvements.
With condo insurance, sometimes called an HO6 policy, damage to improvements, additions and alterations of your unit are covered. Your condo insurance policy also covers your belongings and the structural parts of the building that you own.
Essential Information for Obtaining a Condominium Insurance Quote
When obtaining a condominium insurance policy quotation from Pettineo Insurance Agency, we will need the following information to obtain the most accurate insurance quotation:
• Current Condominium Insurance Policy (If applicable)
• Year Built of Condominium Building
• Total Number of Units in your condominium building
• Estimated value of personal property
• Most recent wind mitigation inspection(If you are requesting wind or hurricane insurance for your condominium unit)
• Most recent 4 Point Inspection(Required by most condo insurance carriers if your condominium building is over 25 years old)
Ft. Lauderdale, FL
Ft. Lauderdale, FL
Serving Florida,
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