Protect Your Condo and Everything Inside
Comprehensive condominium insurance solutions for Visalia, Fresno, and the Central Valley. Safeguard your unit, belongings, and peace of mind.
What is Condominium Insurance?
Condominium insurance, also known as an HO-6 policy, provides specialized coverage for condo owners. It protects your personal belongings, interior unit features, and liability while complementing your condo association’s master policy. At Modern Edge Insurance Brokers, we offer customizable coverage for condo owners in Visalia, Fresno, and across the Central Valley, ensuring you’re protected from unexpected events.
Key Features of Our Condominium Insurance Policies
Interior Unit Coverage: Protects interior elements like walls, flooring, and fixtures not covered by the HOA’s master policy.
Personal Property Protection: Covers your belongings, such as furniture, electronics, and clothing, against damage or theft.
Liability Coverage: Provides financial protection if someone is injured in your unit or if you accidentally damage another unit.
Loss Assessment Coverage: Helps pay for your share of HOA assessments due to covered losses.
Additional Living Expenses (ALE): Covers temporary housing costs if your condo becomes uninhabitable due to a covered event.
Frequently Asked Questions
How is condominium insurance different from homeowners insurance?
Condo insurance covers the interior of your unit and your personal belongings, while homeowners insurance covers the entire structure and property.
What does a condo association’s master policy cover?
A master policy typically covers shared areas and the exterior structure but doesn’t cover the interior of your unit or your belongings.
Is condo insurance required?
While not always legally required, your mortgage lender or HOA may require you to have condo insurance.
Does condo insurance cover water damage?
It depends on the cause. Sudden or accidental water damage may be covered, but gradual leaks or flood damage often require separate coverage.
Can I bundle condo insurance with other policies?
Yes, bundling with auto or other policies can save you money and simplify your coverage.
