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Condo Insurance

Are you getting the best condo insurance protection without paying too much?

Condo insurance is different than homeowners and renters insurance, so without the correct coverage protection you could be exposing yourself to great personal risks.

What Makes A Condo Insurance Policy Different?

To state the obvious, a condominium is not the same thing as a house. There is no backyard or basement and as the unit owner usually don't have to worry about cutting the grass or shoveling the walkway. You will be paying a monthly association fee for these things.

The insurance that your association provides for the exterior part of the structure only. As a condo owner, you are typically responsible for insuring just a portion of their unit, usually "walls in" your unit. This would include all the interior, such as drywall, flooring and cabinets; you will be responsible for these features if there was damage caused in your condo unit.

Questions To Ask About Condo Insurance

Condo owners have unique insurance needs. You should ask yourself these questions and then discuss the answers to with one of Frimark/Keller & Associates' Condo Insurance Specialists.

  • What does my association insurance policy cover and not cover?
  • What do I need to insure in my unit?
  • How much would it cost to repair the inside my unit?
  • What would it cost to replace all my belongings?
  • Is there protection I need for liability claims?

Having a thorough discussion and answers to these questions with the condo experts at Frimark/Keller & Associates will provide you with a peace of mind that your condo will be protected to the fullest.

Frimark/Keller & Associates will go over these main coverages with you to make sure your condo unit is protected:

  1. Condo Liability Coverage: Let's say you are having a party with a few friends and one of your friend trips on a throw rug and breaks his or her ankle. You would be responsible for their injury. Oftentimes, these injuries or damages are minor and can be handled quickly and easily with a liability claim. Having enough liability coverage is a must and there three distinct types; bodily injury liability, personal property damage liability and court cost/legal fees. Talk over your options with one of our experts.
  2. Property Protection: You will be responsible for everything inside your condo unit. This will include your cabinets, appliances and light fixtures - anything in your home. You will also want to make sure you carry enough protection for your computers, jewelry, and watercrafts. The experts at Frimark/Keller & Associates will make sure you have enough coverage and the protection you need.
  3. Guest Medical Protection: Accidents happen, and guest medical protection will help you be prepared; if someone gets hurt in your condo. This coverage will also help pay for reasonable and necessary medical expenses.
  4. Additional Living Expenses: If you were to have a loss (fire, lightning, smoke, etc.) that causes you to vacate your condo because it is uninhabitable, this kind of coverage will cover the expenses that is associated with living somewhere else while your condo is getting fixed. This coverage will pay for your hotel bill, food and other reasonable charges.
  5. Loss Assessment Coverage: Is protection condo owners can use on claims involving the building or its shared areas. In most condo communities, your homeowners association (HOA) has its own insurance that covers incidents outside of your personal unit.

Why Choose Frimark/Keller & Associates?

Malcolm Gladwell suggests that it takes 10,000 hours of practice to become an expert in his book, Outliers. Frimark/Keller & Associates have been providing condo insurance for the citizens of Illinois since 1910. We have spent the time needed to fully understand condo insurance so you can be certain all your needs will be taken care of.

Not only are we seasoned pros but we will listen to make sure we fully understand your needs, even during times when you are uncertain. Are you ready to protect yourself with the pros?

Contact Frimark/Keller & Associates today at 847-907-4520 to discuss your condo insurance needs.