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2345 W Ryan Rd, Suite H
Oak Creek, WI 53154

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What to Look for in a Good Condo Insurance Policy

When it comes to protecting your condo, proper insurance is a must. But with so many different policies on the market, how do you know which one is right for you? Bronson Insurance Services in Oak Creek, WI offers this guide on what to keep in mind when shopping for condo insurance. 

What to Look for in a Good Condo Insurance Policy

1. Coverage Limits

The first thing you’ll want to consider when shopping for condo insurance is the coverage limits. You’ll want to make sure that your policy covers the full value of your personal belongings and any improvements or upgrades you’ve made to your unit. If you have valuable items, such as jewelry or art, you may need to purchase additional coverage to protect them.

2. Deductibles

Your deductible is the amount you’ll have to pay out-of-pocket before your insurance policy kicks in. When shopping for condo insurance, you’ll want to consider how much you’re comfortable paying out-of-pocket in the event of a claim. Remember while higher deductibles could mean you pay lower premiums, it also means more financial risk if you have to file a claim.

3. Policy Exclusions

It’s important to be aware of what your condo insurance policy does and does not cover. Most policies exclude damage caused by flooding, earthquakes, and other natural disasters. So, it’s important to read the fine print and make sure you’re aware of any exclusions before you purchase a policy.

4. Guest Medical Protection

If you have guests over, you’ll want to make sure they’re protected in case of an accident. Guest medical protection will cover the medical expenses of anyone who is injured while on your property. This is important to consider if you entertain often or have young children who have friends over frequently.

5. Optional Coverages

There are a number of optional coverages available with condo insurance, such as loss of use coverage, which pays for your living expenses if you’re unable to live in your unit due to a covered disaster. You’ll also want to consider whether you need personal liability insurance to protect yourself from lawsuits if someone is injured while visiting your home.

Get Condo Insurance in Oak Creek, WI

When shopping for condo insurance, it’s important to consider your coverage needs and choose a policy that provides the right amount of protection. Bronson Insurance Services offers a variety of condo insurance policies to meet your needs. Contact us today to get a quote.


Why Condo Insurance is an Asset

To a condo owner, the importance of obtaining a condo insurance policy can’t be stressed enough. First thing first, the policy keeps you, your condo unit, and your personal belongings secure and safe. According to Bronson Insurance Services in Oak Creek, WI, insuring your condo unit offers you numerous benefits, including:

Personal liability coverage 

By signing up for condo insurance, you will have peace of mind knowing that your family, friends, and tenants are well protected. You will not be held responsible in case any of them sustain injuries while at you’re your space. 

Without liability coverage, you would be the person responsible for the damages or injuries sustained by other people in your space.

Personal belonging protection

Natural disasters and other unforeseen perils like fire accidents can occur when you least expect them. When this is the case, there’s the likelihood that you will lose your valuables and incur substantial repair costs after that. 

Fortunately, you can avoid all these inconveniences by signing up for a condo insurance cover. When a mischance happens, it will be a burden to the insurer and not you.

Loss of use /Additional living expenses (ALE) coverage 

In some unfortunate situations, you might encounter losses that would cause you to relocate as you prepare to repair your condo. Under such circumstances, you need funding to facilitate the relocation process.

Assuming your accounts have no enough cash, what would you do? Where would you go? It would be hectic. However, with ALE coverage, managing relocations, and paying for temporal living expenses will be a walk in the park.

Protection of the interior of your condo

With a condo insurance policy, you will never have to bother about unfortunate things happening inside your unit’s interior. Your insurer will pay for interior damages such as ceilings damages, flooring damages, wall damages, and so forth.

Buy condo insurance today!

When it comes to insuring your condo unit, it’s wise to ensure you have coverage that suits your needs. We at Bronson Insurance Services in Oak Creek, WI are ready to help you get the right condo insurance policy that will work for you. Don’t hesitate to contact us when you need a helping hand.

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