What are the Basics of Condo Insurance?

If you own a condo, it’s important to keep your premises in reasonably safe condition for the residents and visitors alike. Of course, you want to protect your investment as well. To do both, you will want to purchase condo insurance that covers you in the event of a disaster striking the condo and affecting its interior and exterior alike. If your dwelling is located in California, you will want to consider Armorcrest Insurance Services, which serves the El Centro, CA area and neighboring towns such as San Diego and Palm Desert.

Why Do You Need Condo Insurance?

Condo insurance, also known as condominium unit owners insurance, is required to cover personal property and areas of the unit that aren’t already covered by the insurance policy provided by the condo association. There are three different kinds of policies the association can offer, specifically one that insures only the primary building and common areas, one that covers the building and items that are not personal property, and a policy that insures the building, a particular unit, and any home improvements made to it. However, when you get a condo insurance policy from Armorcrest Insurance Services in El Centro, CA, you can enjoy even more peace of mind that your dwelling and personal property are protected in the event of a disaster.

If you are looking to purchase condo insurance for your home, get a quote from Armorcrest Insurance Services at your earliest convenience.

What Does California Condo Insurance Cover and What’s Not Covered?

Condo insurance in California provides coverage for all of the following:

  • Theft
  • Fire
  • Lightning
  • Windstorms
  • Hail
  • Freezing of the plumbing system

However, the insurance will not cover any of the following instances:

  • Bodily injury
  • Property damage
  • Ownership, operation, maintenance or use of motor vehicles, aircraft, and watercraft
  • Professional services provided or not provided

Our Staff is here to help guide you through the process of condo insurance and teach you what it includes. Reach out to one of our agents to address any questions or concerns you may have. Our office is open to visits, and we look forward to hearing from you soon.