If you own a townhouse or a condo, you have different insurance needs than a typical homeowner. When you own a condominium, you - not your association - are responsible for what's inside your condo. That is why having a personal condo insurance policy is important. Condo associations have master policies that cover the property, common areas and physical structure of your building. However, these master policies do not cover your personal property or your legal responsibility to others, and they may not cover improvements or customizations to your unit.

Condo insurance provides protection where condo associations do not. You will typically select from available coverage's such as:

• Personal property
• Replacement value of your primary dwelling and specified permanent attachments, up to a specific value
• Bodily injury if someone is hurt on your property
• Liability for property damage
• Damage protection from dangers such as fire, plumbing freezes, vandalism, glass breakage, etc.

A basic condo insurance policy will cover damages to most of your personal belongings, as well as walls, floors, ceiling coverings, etc. Most condominium by-laws or trust agreements state that the condo owner owns or is responsible for everything within the unit, including permanently attached fixtures and improvements. 

For more information or to get a Condo Insurance quote, call 916-739-8989.

Jack Chew & Co. Insurance has over 60 years of experience helping families and businesses in Sacramento, Elk Grove, Roseville, Natomas, Citrus Heights, Carmichael, Vacaville, Stockton and Modesto. As California insurance brokers, we are confident that we can find the best combination of price, coverage and service to meet all your insurance needs.