Chester Condominium Insurance in Florida

Condo Insurance: What are the Coverage Fundamentals?

Wherever your condominium may be in Florida, perhaps Deerfield Beach, PFort Lauderdale or West Palm Beach, Florida or be it along the Gulf Coast or near Miami, 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, condo association 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 and basically means the building's exterior is covered by the Condo's Association, but you are still responsible for the contents inside. This is where Chester Insurance of Deerfield Beach comes in.

condo insurance

What Does Condo Association Insurance Cover in Deerfield Beach, Fort Lauderdale, or West Palm Beach, Florida?

Condominium Association coverage typically does feature 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 one of your guests suffers an injury or property damage while in your Deerfield Beach, Fort Lauderdale or West Palm Beach, Florida condo, association condo coverage may not be sufficient to cover the damages—especially if you get sued and end up having to pay costly medical bills with the money you have in your bank account right now. Would this be a situation you would be able to deal with? Additionally, condo occupants themselves get no coverage at all for injury or property damage.

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 condominium association. Understanding those built-in coverages will help you make informed choices regarding condo insurance and the types of Florida condo coverages you need from Chester Insurance 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 home, 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 for your condo in Deerfield Beach, Fort Lauderdale or West Palm Beach, Florida protects your assets, allowing you to more-easily recover and get back to a normal life when disaster strikes.

What Does Condo Insurance Cover in Deerfield Beach, Florida?

With a condominium policy with sufficient 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 proper condominium insurance coverage from Chester Insurance of Deerfield, FL, can you afford to rebuild the interior of your condo from scratch at any given moment if any of these incidents should happen? Your policy through Chester Insurance will help assure you can cover the cost of repairing or replacing items following a covered incident.

condo insurance fl

What Are Condominium Insurance Exclusions?

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

  • Floods
  • Earthquakes and mudslides
  • Settling
  • Natural deterioration and neglect
  • Birds, rodents, insects, and domesticated animals

Multi-Policy Condo Insurance Discounts

If you purchase condo insurance for your condominium in Deerfield Beach, Fort Lauderdale or West Palm Beach, Florida through Chester Insurance, you may be eligible for discounts. Whether you’re an existing customer with Chester Insurance or not, ask about multi-policy discounts when you bundle condo insurance with any of our other quality insurance policies.

Contact Chester Insurance of FL 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 in Deerfield Beach, we offer free, comparative quotes on Condominium Insurance from multiple topnotch insurance carriers, meaning you’ll get the best possible rate and the most comprehensive coverage in Florida.

At Chester Insurance of Deerfield Beach, our knowledgeable, experienced insurance agents and top-rated insurance carriers will make sure what's important to you is kept protected. We service the Deerfield Beach, FL area and its surroundings including West Palm Beach, FL, Boca Raton, FL, Delray Beach, FL, Ft. Lauderdale, FL, Palm Beach Gardens, FL, Wellington, FL, areas and beyond. If you’re ready to see how much we can save you on condominium insurance, call Chester Insurance today at  954-315-4000! Or for a free online condo insurance quote, fill out the quote form on this page!

Chester Insurance: We've Got You Covered Florida!