Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement. Additional Living Expense coverage can compensate you for certain costs incurred when you are forced to vacate your condo after a covered loss. Let First West help you find the right amount of coverage to suit your California condo insurance needs.
Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss. If you have upgraded your cabinets, put in hardwood floors or made other structural improvements, Condo Building Items coverage protects these investments. Be sure to consult your HOA agreement to determine what the association policy covers and what you are responsible for.
If common areas are damaged, your association may levy assessments against all the owners to pay the deductible on the association policy. Various limits of Loss Assessment coverage is available to cover these costs. Review your HOA agreement to determine your exposure to such assessments. Call us and we can help you determine your coverage needs.
The personal liability coverage in your condo policy provides protection for bodily injury and property damage liability claims when you or your family members are found to be legally responsible. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.
Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles Endorsement which provides broader coverage and no deductible in the event of a covered loss.
Find unique insurance that is right for your California condo
Contact us to identify the best combination of coverage, value, and price for you. We can help make sure your California condo insurance continually meets your needs.