You can secure your condo with more than an alarm system to protect the interior contents. When you consider purchasing a condo insurance policy from Uriarte Insurance, you will see just how beneficial this policy can be for you.
In most cases when you purchase a condo, there is an HOA policy that comes with the purchase of the condo that you are responsible for contributing. However, it does not cover the interior contents of your condo. These policies are only for shared areas, exterior damage, and hallways leading up to your condo door.
With your own condo insurance policy, you can protect the personal property you have within your condo, from clothing and electronics to appliances and furniture should they become damaged and need to be replaced. In the event of natural disasters or accidental fires, your policy will give you the financial protection you need to move forward with financial assistance.
With comprehensive coverage in your policy, you are able to get coverage should your condo be broken into and vandalized while you are not home. Any property that is damaged or stolen can be replaced with this policy, minimizing the additional stress.
While there is a liability coverage portion of your HOA insurance policy, any guest damage done inside your condo will not be covered. Your personal condo policy will be responsible for covering any medical costs or property damages associated with the claim. This is often misunderstood by condo owners. Their liability coverage on the HOA policy only covers the community properties on-site, shared by condo owners and their guests.
If you are a condo owner in Kansas and Missouri, contact our agents at Uriarte Insurance today for more information on our condo policy offerings. We are ready to get you the coverage you need in your Kansas and Missouri condo today.
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