Condo Insurance

While many Illinois residents continue to take on the condo lifestyle, embracing the convenience and lack of maintenance that comes with the atmosphere, many are not getting the protection they need. With the Homeowners Association in these condominiums carrying a community insurance policy, they do not have the protection they need for their personal property. At WSM Insurance Agency Inc., condo owners can pursue an individual condo insurance policy for their protection.

What Does the Community Policy Cover?

When you pay into the community insurance policy, you will find that only community property and shared walls are covered in the event of a disaster or tragedy. This does not protect against any incidents or damage that happens behind your condo door.

Personal Property Protection

With your own condo insurance policy, you can protect your personal property such as furniture, clothing, appliances, and any equipment you may have inside your condo. Having to replace these items out of pocket during a tragedy can start to add up. With condo insurance, you can have these items replaced when they are stolen or damaged.

Liability Coverage

If you have a guest over and are hurt in the community area, their medical expenses can be covered by the community insurance policy. However, if they are hurt or injured while inside your personal condo, you are held solely responsible for these costs and damages. You could find yourself paying all of these costs out of your own pocket without condo insurance. Your condo insurance provides protection in these instances.

Call WSM Insurance Agency Inc. Today

Our agents are standing by and ready to assist our Illinois clients with getting the condo insurance coverage they need. Call today for your personal quote and take your condo protection into your own hands.

WSM Insurance Agency Inc is licensed in Illinois and Wisconsin