Condo Insurance

Sixteen Risks Covered By Condominium Insurance

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 Insurance 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 Condominium 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:

  1. Fire or Lightning
  2. Windstorm or Hail
  3. Explosion
  4. Riot or Civil Commotion
  5. Aircraft
  6. Vehicles
  7. Smoke
  8. Vandalism or Malicious Mischief
  9. Theft
  10. Volcanic Eruption
  11. Falling Objects
  12. Weight of Ice, Snow, or Sleet
  13. Accidental Discharge or Overflow of Water or Stream
  14. Sudden & Accidental Tearing Apart, Cracking, Burning, or Bulging
  15. Freezing
  16. Sudden & Accidental Damage from Artificially Generated Electric Current

Harbor Insurance Services All Of East And South Florida

Harbor Insurance staff has been serving the residents of Florida for decades. Expect stellar customer attention and unparalleled Condominium Insurance knowledge from the agents in our offices located in Port St. Lucie and West Palm Beach.