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Condo Insurance

If you own a condo, acquiring insurance to protect your property is a vital investment. The first step in determining what coverage you need is knowing how the age of your condo alters the legal expectations of your association.

What Type of Condo Do You Own?

Chapter 47A condominiums were created on or before October 1, 1986. Those created after are considered Chapter 47C. Chapter 47A condominiums are regulated only by their governing documents as to how much and what types of insurance the association is required to have. If your condo operates under Chapter 47A, review your governing documents to determine what and how much insurance the association provides, then visit Legacy Insurance Agency LLC to discuss coverage options to protect your property.

Chapter 47C condominiums have greater regulation and are required by law to provide:

Unit Owner Responsibility

If a loss occurs, even originating from a different unit or common space, the condo owner, not the association, is responsible for the difference in cost for any additions or improvements. If the unit's kitchen originally had vinyl floors that the owner upgraded to hardwood which was subsequently damaged by a water pipe leak, the association would only cover the replacement for the vinyl. Your condo insurance coverage is designed to fill that gap.

Protect Your Investment

Should the unexpected occur, you want condo insurance coverage that will ensure your home returns quickly to its pre-loss state. Visit a Legacy Insurance Agency LLC office today and let one of our knowledgeable agents help you find the right coverage for your condo.

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