Florida Condo Insurance: Protecting Your Naples’ Treasure
Wherever your condo may be in Florida, it's important to make sure you have the right coverage. If you live in a condominium, your Condo Association probably provides some level of rudimentary insurance coverage. Typically, such coverage is limited to one of the following three types of policy:
- Coverage for the complex’s primary building and common areas
- Coverage for each building and for items within each unit considered to be property of the condominium complex
- Coverage for each building, each individual unit and for any fixtures or improvements to the unit made by the occupant
This usually means the building's exterior is covered by the Condo's Association, but you are still responsible for the contents inside. This is where Ashworth & Sachs Insurance Services Agency comes in.
Know Your Condo Association Coverages
If you’re a condo owner, it’s crucial to know the types and amounts of courtesy coverages provided by your condo association. Understanding those built-in coverages will help you make informed choices regarding condo insurance and the coverages you need from Ashworth & Sachs Insurance Services Agency to gain maximum protection.
Condo Insurance Protects Your Assets
For most people, buying a condo represents one of the largest investments they’ll ever make. You wouldn’t dream of carrying insufficient coverage on your house, and sufficient condo coverage is just as important. Without it, you stand to lose almost everything in a disaster. Like solid home insurance, a comprehensive condo policy protects your assets, allowing you to more-easily recover and get back to a normal life when disaster strikes.
What Are Condo Insurance Exclusions?
As with home insurance policies, condominium insurance doesn’t cover specific peril types:
- Earthquakes and mudslides
- Natural deterioration and neglect
- Birds, rodents, insects and domesticated animals
What Does Condo Insurance Cover?
With sufficient condo coverage, you can protect your condo from fires, wind and hailstorms, lightning strikes, theft and other events not covered by the condo association coverage. Without the proper insurance policy from Ashworth & Sachs Insurance Services Agency, can you afford to rebuild the interior of your condo from scratch? Your policy through Ashworth & Sachs Insurance Services will help assure you can cover the cost of repairing or replacing items following a covered incident.
Contact Ashworth & Sachs Insurance Services of Florida for a Free Condo Insurance Quote
If you’re shopping for condo insurance anywhere in Florida, we’d be thrilled to hear from you. As an independent Florida insurance agency, we offer free, comparative quotes on Condo Insurance from multiple topnotch insurance carriers, meaning you’ll get the best possible rate. Our ability to comparison shop on your behalf will save you lots of time, too!