Kimberly J Brennan Agency serves Patterson, NY, and the surrounding area and can help you pick out the condo insurance that meets your needs. Whether you live in New York or are a first-time condo buyer, we’re here to help you understand this protection type.
What It Covers
Your policy will cover everything in the condo that you own but not the actual building itself. Instead, it will cover personal belongings like furniture, clothes, bicycles, electronics, tools, and even things stored in your shed. Jewelry, art, computers, and memorabilia are also covered.
Even better, you get protection for some personal liability issues, loss of use if there’s any reason you can’t temporarily live there (such as damage) and medical payments for people injured in your home. This coverage is essential if you ever plan on hosting individuals for extended periods, especially anyone outside your family.
What It Doesn’t
First, it’s essential to know that your association has its own insurance that covers the physical structure of the condo, the common areas, and some original items inside (if they’re original). Nothing in your condo is covered, which is why you need your own policy.
You can also add optional coverage types to expand policies, such as water backup protection, personal injury protection, and extra flood protection. Most natural disasters are not immediately covered and require you to buy extra policy types to ensure you are fully safe from danger.
Finding Protection
Kimberly J Brennan Agency can help Patterson, NY, residents get coverage that meets New York state law. We’ll protect your condo and ensure you’re comfortable leaving it when you’re off from your vacation or living there full-time. Call us right away to learn more about your choices.
