Your condo association likely won’t insure your unit or the personal property inside. Their insurance typically focuses on the building structure and common areas.
Our agents can help you choose the most appropriate protection plan for your condominium unit.
Lightning, wind or hail, freezing of a plumbing system, weight of ice, snow or sleet
Fire, theft, vandalism, riots, explosion, smoke, aircraft and vehicles
Abrupt and accidental discharge of water from plumbing system, tearing/bulging of heating or cooling systems, artificially generated electrical current
Our Naples Insurance Experts are here to help.
Adding up the worth of computers, electronics, jewelry, clothes, furniture, maybe even something particularly valuable like an engagement ring, art collection or musical instrument can help you determine how much condo insurance coverage you need.
Some interior features of your unit, such as cabinets, countertops, carpet, doors, drywall and other portions of the unit may not be covered by your master policy. Our agents can help you determine the value of your unit.
One of the most important aspects of condo insurance is the replacement cost for personal property. We offer two coverage options.
Pays for the cost to repair or replace your damaged property up to the limits of liability.
Pays the cost to repair or replace damaged property minus the pre-loss depreciation up to the limits of liability.
Your policy provides protection for covered liability claims or lawsuits.
Like all homeowner’s policies, unit owner policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). What’s on a typical “special limits” list?