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Indiana Condo insurance coverage

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Condo Insurance

Having a condominium is a great alternative to renting an apartment or even owning a single family home. However, they come with their own unique needs in terms of insurance. The condominium association might have their own insurance coverage but it is also advisable for you to get your own insurance coverage that can protect your personal belongings as well as the interior of your condo.

Condominium insurance usually has some standard coverages that help protect both you and your valued possessions. Below are some of the coverage options for you.

  • Personal liability coverage – if you have a guest at your home and they get hurt within your home and you are at fault, this coverage will cover any legal fees occurring from the accident as well as medical bills that come up.
  • Guest Medical Cover – if a guest is injured at your home, this coverage will cover their medical bills even if you are not at fault.
  • Building property protection – it is inevitable that you damage your walls while living in the condo. This protection covers for damages to the walls and the interior which includes fixtures in the house.
  • Additional living expenses coverage – this coverage will help in covering any extra living expenses as long as they are reasonable and necessary after you are forced to move out of the condo in Indiana.
  • Personal property coverage – you should not underestimate the investment you have made purchasing your valuables in the house. If personal items such as cloths electronics and stolen or destroyed in a fire you would be covered.

When choosing condo insurance you can choose from two policies. The first is where you are reimbursed the actual cash, less the depreciated value of the belongings. The second option is getting replacement cost for your belongings. It is important to note that whichever coverage that you choose comes with a limit. Get a policy quote from Associated Insurance Group of Indiana Condo Insurance

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