Sixteen Risks Your Condo Faces

Let’s say a fire broke out in your condominium development. The blaze reached your unit and quickly burned through the kitchen before the fire department put it out, drenching your unit in scummy, filthy water.

The fire came through the walls so you were sure you would be covered by the condo association policy. Right?

What a Condo Policy Covers

Unfortunately, no. What an association policy protects is the outside of the structure only. The second your unit is damaged (including the interior walls), the responsibility becomes yours. A condo insurance policy will pay not only for the interior walls, but the floors, ceilings, and all of your personal property.

Your condo insurance, in fact, protects you from the following sixteen threats:

• Fire or Lightning
• Windstorm or Hail
• Explosion
• Riot or Civil Commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism or Malicious Mischief
• Theft
• Volcanic Eruption
• Falling Objects
• Weight of Ice, Snow, or Sleet
• Accidental Discharge or Overflow of Water or Stream
• Sudden & Accidental Tearing Apart, Cracking, Burning, or Bulging
• Freezing
• Sudden & Accidental Damage from Artificially Generated Electric Current

The Harbor Insurance Agency Services all of East and South Florida

Harbor Insurance Agency staff has been serving the residents of Florida for decades. Expect stellar customer attention and unparalleled insurance knowledge from the agents in our four offices (Fort Pierce, Vero Beach, Port St. Lucie and West Palm Beach).