Condo Insurance Coverage

Protect Your Condo - Today

Diedrich Family Insurance Agency knows that condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations, and improvements you make to your unit that are your responsibility based on the condo association agreement.

Your condo insurance policy also protects you and your family members against bodily injury, property damage liability claims, and any litigation that may result subject to the limits you select. Contact us today to learn more.

Types of Coverage

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases, it covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Full-Value Personal Property

For a few more dollars, you can elect to carry full-value personal property on your policy, which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.

Loss Assessment Coverage

Optional loss assessment coverage is available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.

Condo Building Item Coverage

If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.

Extra Coverage

Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. If you have special valuable items such as jewelry, art, antiques, or collectibles, ask about our valuable articles option, which provides broader coverage and no deductible in the event of a covered loss.

Contact us to identify the best combination of coverage, value, and price for you. We can help make sure your condo insurance continually meets your needs.