Condo Insurance in Pensacola, FL

Condo Insurance: Coverage Fundamentals

If you live in a condo in Pensacola, 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 items within each unit considered to be property of the condominium complex
Coverage for each building and items within each unit considered to be property of the condominium complex

Condo Insurance Liability Coverage

Condo association coverage also typically features a small level of personal liability coverage. For most occupants, however, this coverage won’t offer sufficient protection against every possible liability.

For example, if a guest suffers an injury or property damage while in your condo, association coverage may not be sufficient to cover the damages—especially if you get sued.  Additionally, condo occupants themselves get no coverage at all for injury or property damage.  That’s why coverage is so important. Let us help you with your Pensacola condo insurance policy.

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Know Your Condo Association Coverage

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 to gain maximum protection.

Condo Insurance Protects Your Assets

For most people, buying a condo  represents  one of the largest investments  you will  ever make.  You wouldn’t dream of  not carrying  enough coverage on your house, why would condo coverage be any different?  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.  Don’t be caught off guard, get your  Pensacola  Condo Insurance today! 

What Does Condo Insurance Cover?

With sufficient condo coverage, you can protect your condo from fires, wind, hailstorms, lightning strikes, theft, and other events not covered by association coverage. Let John Willem Insurance, your Pensacola condo insurance expert get you the coverage you need.

How Much Does Boat & Watercraft Insurance Cost?

Premium costs for a boat and watercraft policy will depend on the policy’s agreed-upon values, chosen deductibles, insurability, and other factors. In this way, boat insurance is quite like other policy types.

What Are Condo Insurance Exclusions?

As with home insurance policies, condo insurance doesn’t cover specific peril types: 

Floods
Earthquakes and mudslides
Settling
Natural deterioration and neglect
Bird, rodent, insect, and domesticated animal damage

Multi-Policy Condo Insurance Discounts

If you purchase condo insurance through a John Willem Insurance carrier, you may be eligible for discounts if you’re an existing John Willem Insurance policyholder. Whether you’re an existing customer with our agency or not, ask about our multi-policy discounts when you bundle condo insurance with other policies.

Contact John Willem Insurance 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 agent, we offer free, comparative quotes on condo insurance from multiple 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!

If you’re ready to see how much we can save you on condo insurance, call John Willem Insurance today at (850) 477-7186!  For a free online condo insurance quote fill out our online quote form on our contact page!

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