Whether you’ve just bought an amazing waterfront condo on the cost, or you just wanted to upgrade your apartment, a condo can be a wonderful place to call home. However, how can you make sure that your condo is protected against the unknown?

If you want to ensure that your condo is protected against things like vandalism, theft, and more, a condo insurance policy is crucial.

On this page, we’ll talk about what condo insurance covers, the different kinds of coverage you can choose, and why you should rely on Rick Baker Insurance to help you build your policy.

What does condo insurance cover?

There are typically two kinds of coverage when it comes to condo insurance — an all-in-one policy or a bare walls-in policy.

An all-in-one policy covers things like appliances, wiring, carpeting, and plumbing in your condo, but it won’t cover your personal property that is located in your condo.

A bare walls-in policy means that nothing is covered within the walls of your condo.

Your insurance agent can help you decide what kind of coverage you need depending on what kind of insurance policy your condo already carries.

There are also more specific categories of coverage.

Kinds of condo insurance

There are different kinds of coverage that you can opt for for your condo. They include things like personal liability, personal property coverage, building property protection, and more.

Personal liability coverage covers the medical expenses associated with an accidental injury to a visitor while at your condo.

Personal property coverage covers your belongings including appliances, furniture, clothing, electronics, and more. This coverage option protects you against damage or theft.

Building property protection helps cover costs associated with damaged walls, fixtures, or bookcases.

Do you need condo insurance? Rely on Rick Baker Insurance

If you’re shopping for condo insurance, look no farther than Rick Baker Insurance. We offer a wide variety of custom condo insurance policies, and our knowledgeable insurance agencies can help you create a custom policy that fits your specific needs.

Give us a call today at 303-444-3334 to craft your perfect condo insurance policy today!

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