Personal Insurance

Stuart Insurance: Palm City's Most Trusted Name for Condo Insurance in Florida

Florida condo Insurance

Condominium Insurance Coverage Fundamentals

If you live in a condo near Palm City, Jensen Beach, Hobe Sound, or Port Salerno, 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

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.

Florida, 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 as they are different in every location; Jensen Beach is unlike Hobe Sound or Port Salerno. Understanding those built-in coverages will help you make informed choices regarding condo insurance and the coverages you need to gain maximum protection.

Florida Condo Insurance Protects Your Assets

For most people living in Jensen Beach, Hobe Sound, Port Salerno, Palm city or it's surroundings, 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 of value to you in a disaster. Like a solid home insurance policy, a comprehensive condo policy protects your assets, allowing you to more-easily recover and get back to a normal life after a covered disaster strikes as for example a fire or theft.

What Does Condo Insurance Cover?

With sufficient condo coverage, you can protect your condo from fires, burst pipes, wind and hailstorms, lightning strikes, theft, and other events not covered by association coverage.

What Are Condo Insurance Exclusions?

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

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

Multi-Policy Florida Condominium Insurance Discounts

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

For a Free Condo Quote on Atlantic Coast Condo Insurance, Contact Stuart Agency

If you’re shopping for condo insurance anywhere in Palm City, Jensen Beach, Hobe Sound, Port Salerno, Florida or it's surroundings, we’d be thrilled to hear from you. As an independent Treasure Coast insurance agency, we offer free, comparative quotes on Condominium Insurance from multiple insurance carriers, meaning you’ll get the best possible rate. Our ability to comparison-shop on your behalf saves lots of time, too!

If you’re ready to see how much we can save you on condo insurance, call Stuart Insurance today at 772-286-4334! For a free online condo insurance quote, fill out the quote form on this page!