Condo Insurance

Owning a condo offers the benefits of homeownership without many of the hassles. However, it also comes with its own set of risks and responsibilities. At JA Insurance Advisors, LLC, we provide tailored condo insurance solutions to protect your personal property, investment, and peace of mind.

Why Do You Need Condo Insurance?

While your condo association’s master policy covers the building’s structure and common areas, it often does not protect the interior of your unit or your personal belongings. Condo insurance bridges this gap, ensuring you are fully covered against potential losses.

Key Features of Our Condo Insurance

Personal Property Coverage: Protects your belongings, such as furniture, electronics, clothing, and other personal items, against risks like theft, fire, and water damage.

Dwelling Coverage: Covers the interior structure of your unit, including walls, flooring, and fixtures, against damage from covered perils. This is essential for upgrades and improvements you have made to your condo.

Liability Protection: Provides coverage if you are legally responsible for bodily injury or property damage to others. This includes incidents that occur within your condo unit or elsewhere.

Loss of Use Coverage: Offers financial assistance for additional living expenses if your condo becomes uninhabitable due to a covered loss. This helps cover costs such as hotel stays and meals.

Medical Payments Coverage: Pays for medical expenses if a guest is injured on your property, regardless of who is at fault.

Loss Assessment Coverage: Protects you against special assessments levied by your condo association for covered losses to shared areas and amenities.