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Condominium Insurance from Cal-Nevada Insurance Agency

Condominium insurance is a lot like homeowners insurance, but understanding the small differences is key. At Cal-Nevada Insurance Agency, we specialize in providing highly personalized service for condo unit owners throughout San Francisco and northern California, Las Vegas, Nevada, and Arizona areas.

Your Unit

A condo insurance policy covers your unit from the walls in, including your personal belongings, such as furniture, clothing and draperies. It can be upgraded to insure high-value items, such as fine art, jewelry, and antiques, and you can opt for coverage for high-end appliances or cabinetry that you’ve added. You probably will also want coverage for alternative living arrangements if your unit is rendered uninhabitable by a covered event.

Your Liability Insurance

Not only does your property need protection; your assets do, too. If you are found liable for injuries to someone or damage to their property, the liability portion of your condo unitowners policy is designed to respond with coverage for some of your legal bills as well as payments for damages or an agreed settlement, up to the limits established in your policy.

Your Condo Association’s Policy

It’s true that your condominium association should have a master insurance policy, but that typically covers only the building structure and common property areas. It has very limited coverage for your unit—typically just your walls. Some associations will cover ceilings and installed appliances, but you should check the specifics since details vary and restrictions could be tight.

Your best bet is to work with a Cal-Nevada Insurance Agency professional to find a condo insurance policy that best covers your property and liability risks. If you need higher limits than are in a typical policy, we offer personal umbrella along with flood insurance and earthquake insurance that might be of interest.

From the walls in, condo insurance is your responsibility.

For further information or to schedule a meeting with an advisor, contact us at (866) 670-5948, or e-mail us at