Condo Insurance Agency
Serving Northern NJ
Many condo owners believe they are adequately insured simply because their condo association has a master policy. They do not realize just how much they have to lose. Whether it's loss of your personal property or loss due to legal liability, a personal condominium insurance policy can help protect you.
The master policy provided by the condominium association doesn't fully protect you. Here are a few things to consider about condominium insurance:
What You Need to Know
Coverage Options
Discounts & Savings
Call us today at 973-635-9494 to find out more information about condominium insurance or simply submit a free condo insurance quote request through our website.
Providing quality, affordable condo insurance to the residents of Chatham, Madison, Summit, Livingston, Florham Park, Springfield, Short Hills, Morristown, Berkeley Heights, Millburn and all of Northern NJ.
What You Need to Know
Even if you already have insurance through the condominium association master policy, there are some key questions you need to consider concerning your condo.
- If you personal property was stolen or your unit was damaged by fire, water damage or another insured peril, who is responsible for what?
Generally, your condo association is only responsible for the structure of your unit and never your personal belongings or contents. This also means that you could be responsible for some interior fixtures and construction. Such fixtures can include items such as hardwood floors, sheetrock, plumbing, any upgrades to the unit (i.e. kitchen or bathrooms), and so on.
At John Hawk agency, we are committed to alleviating your out of pocket expenses while protecting you and your family.
- What else does my personal condo policy cover?
Most of your personal possessions are covered from loss by vandalism, fire, and other types of insured perils up to the limits states in your policy. Your condominium policy will also protect you against liability losses for accidents to visitors in your home, cost of temporary housing during reconstruction, and more!
Call us today at 973-635-9494 to find out more information on condominium insurance or simply submit a free quote request through our website.
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Coverage Options
The following coverages are included in your condo policy:
- Personal Property Protection - Covers the loss or damage to your stuff
- Real Property Protection - Coverage for things you own such as fixtures and other installation that are not typically considered personal property
- Family Liabilty Protection - Provides legal representation and insurance against judgments
- Guest Medical Protection - Covers medical costs for visitors injured at your home
- Additional Living Expenses - Reimbursement for costs of temporary housing during reconstruction
Additional Options:
- Loss Assessment Coverage - At John Hawk agency, we strongly suggest you purchase Loss Assessment Coverage. This coverage would pay for your share up to your policy limits, when your association requires an assessment on all unit owners for certain covered losses.
- Replacement Coverage - Allows you to receive the full purchase price of lost items
- High Value Item Coverage - Extend protection beyond your basic policy limits
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Condominium Insurance Discounts & Savings
- Multi-Line (Condo + Auto)
- Protective Devices
Don't wait to realize what you have after it's gone. Call us today at 973-635-9494 to find out how condominium insurance can benefit you or submit a free quote request through our website.
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