Once you find out how much your condo association covers, it is your job to cover the rest. Our agents can help you fill in the gaps, making sure you and your belongings have the coverage they need.

As a condo owner you have unique needs and you also have unique insurance needs. Our agents know as well as you do just how different your requirements are and can help design a condominium insurance policy to fit them in Massachusetts, Connecticut, or New Jersey. The truth is you are not completely covered by your condo association and it is important to know what you are protected for so that you can fill in the gaps. Common areas and the overall structure may be covered by the association, but what about the possessions and structures inside? The type and amount of coverage that you receive can vary greatly and knowing the details is an important part of designing the right policy for you.

Would your possessions be replaced if something were to happen? What about things that are seemingly part of your condo, such as your appliances? With a comprehensive policy, you will no longer have to worry about it. Condo insurance can give you coverage where your condo association’s coverage will not.

Check out the list of coverage options:

  • Liability coverage
  • Electrical wiring
  • Appliances
  • Cabinetry
  • Personal possessions
  • Wallpaper and carpeting
  • Improvements or upgrades you make
  • And more!

To help you better understand if you have enough Condo coverage, we have included this downloadable Condominium Owners Tips sheet.

Each condo insurance policy will vary based on how much coverage you get from your condo association, the amount of possessions you own, and possibly even the rules and regulations from CT, NJ, or MA. For extra liability protection, you can even consider an umbrella insurance policy.

Don’t forget to ask your agent about qualified agency and carrier discounts!  For instance, you could combine your condo policy with your auto policy to get great coverage on both, and save money.

Check out our customer testimonials to see what our clients are saying!

Request your Condo Insurance quote today!

Click below or call Encharter at 888.754.8299 to request a quote