Condo Insurance

When buying a condo, it is important to get a copy of the Covenants, Conditions & Restrictions (CC&R’s) prior to your purchase so you know what coverage you need to secure. Typically, the condo association only covers the building (excluding the interior of your condo unit) common areas, and utilities to your condo unit. This leaves you with making sure your policy covers the interior of the unit to include: drywall and paint, interior walls, flooring, cabinets, plumbing and lighting fixtures interior electrical wiring, and any other features within the walls of your condo along with your contents.

Again, this is where Horizon can help! A lot of condo owners do not have the proper coverage because a review of the CC&R’s was not done. We will review the CC&R’s with you to find our what coverage you need for your condo, discuss the quality of the finishes to make sure the interior is replaced, and review the type of contents you have all to avoid coverage gaps.