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Condo Insurance Quotes

For any questions or to apply, please call 619-299-6000

What do I need to know about Condo Insurance?

Did you just recently purchase a condo? Many people don't realize the value and importance of condo insurance. Check with your homeowners association or your CC&R's to see if you need to get your own individual condo contents insurance policy. Find out what parts of the exterior of the condo or home are covered by your home association's insurance and what items are your responsibility.  Then make sure that you have sufficient insurance to cover repairing or replacing the items for which you are responsible.  If your association's master insurance policy covers the exterior of your home, but not the contents, you may then need a condominium policy.  It is usually the responsibility of the condo owner to have their own condo contents insurance policy.

What is the value of your personal belongings? Make a list of all of your personal belongings in your condo. Usually the replacement value of all of your personal belonging can be a lot once you add up everything. It is important to request replacement settlement coverage for your personal belongings.

It's important to make sure that you let your insurance agent know if you have any items at home that you use for your business. Some insurance company's have an endorsement that you can add to cover your business personal property at home.

How much personal liability coverage do you need? Most condo contents insurance policy's provide a minimum amount of personal liability coverage. You can usually add more coverage depending on your individual and specific insurance needs.

How much building property coverage do you need? Do you have upgraded floors or cabinetry? Have you made any improvements or upgrades to your condo unit? Building property coverage is important for homeowner associations that provide minimal individual condo unit coverage.

When you rent your condo out to others, it is important to tell your insurance agent so that you can have the correct type of insurance policy. This is sometimes known as a condo rented to others policy. This type of insurance policy may provide you with important coverage when you rent out your condo to others. Some of these extra coverages include loss of rents coverage and vandalism coverage in the event of a covered loss. This type of policy usually covers for your condo and personal belongings in your rented condo, but it will not provide coverage for your renters pesonal belongings or tenants. It is important to make sure that your tenants get a renters insurance policy to cover their own personal belongings.

For any questions, fast quotes, or to speak with a local insurance agent, please call 619-299-60000.

 

 

Ways to Save on your Condo Insurance

There are many ways to save on your condo insurance.

  • By going with a higher deductible, you can save on your yearly insurance premiums.
  • Some insurance company's may give you a discount on your condo insurance by having a burglar or fire alarm system.
  • By having your auto and condo contents insurance with the same company, some insurance carriers may give you a discount on both your condo insurance and your auto insurance.
  • Some insurance company's may give you a discount by having a new condo if it has been built recently.
  • Check with your local insurance agent for any questions about discounts.

 

 

 

 

Contact Us:

John Tesoriero
Authorized Agent
1761 Hotel Circle South, Suite #119
San Diego, CA 92108
Phone: 619-299-6000
Fax: 619-299-6007

Please call for appointment

john@insurancebyjohn.com

Please Note: The information contained in this Web site is provided solely as a source of general information and resource. It is a not a statement of contract and coverage may not apply in all areas or circumstances. For a complete description of coverage's, always carefully read the insurance policy, including all endorsements and exclusions. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party.

Copyright © 2007 John Tesoriero Authorized Agent, CA License 0E27104

 

 

 

 

 

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