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Condo, Co-op, and Renters

Condo, Co-op, and Renters

Even if you don’t own a home, you are still exposed to many risks associated with where you live.  Fire, theft, loss assessments, and lawsuits are just a few of the most common risks that condominium unit owners and renters face every day.  Luckily, there are insurance policies designed to meet these unique needs.

While landlords or condominium assocations may have insurance covering their own exposures, their policies do not cover the personal property and liability exposures of the individual renter or condo unit owner.

Condominium unit owners also need to insure the portion of the buidling that they own, as outlined in the condominum association’s by-laws.  In the event the condominium association’s insurance policy doesn’t cover a loss that the association experiences or if the association’s insurance policy has a high deductible, each unit owner may be assessed a portion of the loss.

These types of risks can be insured on a personal renters or condominium unit-owners policy.

As your Independent Insurance Agent, we have access to some of the best condominium unit-owners, renters, and co-op insurance products in New York State.  Our licensed representatives can help you determine the products that meet your needs, and can shop your policy with a variety of insurance companies to get you the best rate possible.

For a no-obligation rate quote, give us a call at (631) 589-0100 or start your rate quote online right here.