Auto  |  Motorcycle  |  RV's  |  Boat  |  Home  |  Condos  |  Renters  |  Manufactured Homes  |  Umbrella  |  Flood  |  Identity Theft     
Bookmark and Share



Contact Us

George J. Smith
& Son Insurance

247 Broad Street
Milford, CT 06460

Phone: 203-878-4641
Fax: 203-876-9886

Hours of Operation:
Mon - Fri 8:30AM to 5:00PM
Saturday - By Appointment
Sunday - Closed

Map and Directions
To Our Office >>>




Condominium Insurance

Condominiums and townhouses have special insurance needs. They don't require the same insurance as a house, but owners have more to insure than a renter. The insurance needs for a condo owner include personal property and liability coverage. Special policies for condominium owners, known as form HO-6, will provide the liability and personal property protection a condominium owner needs.

As a condominium owner, one needs to insure not only their personal possessions in the condo, but also any built in units such as cabinets, fixtures, appliances and shelves. In addition to covering the personal property, a condo owner also needs liability coverage. The liability portion of the policy would cover injuries or damage to people or property for which the condo owner would be liable.

Below is a checklist of the top four questions to consider when choosing a condominium insurance policy:

1. What are your ownership and insurance responsibilities in the condo association's Master Deed?

Almost all associations have a master policy insurance that covers you for the actual structure and common elements such as a swimming pool or tennis court owned by all unit owners. The association documents and the master policy spell out very specifically where common areas end and where your unit starts. In some cases, for example, your unit may start inside the wallboard. In others, the wallboard may be considered part of your unit.

2. Does the policy you are considering include broad water damage coverage for problems such as sewer and drain back-ups?

3. Does your condo association provide comprehensive or blanket coverage to protect you against other condo owners who may not have adequate coverage?

4. Do you have expensive personal items such as jewelry or furs for which you may need additional personal property coverage?





Request A Quote

Condominium Insurance Quote


Tools & Resources

Online Home Inventory Calculator

Printable Home Inventory
Word or PDF

Personal Insurance FAQs


Includes a wealth of information on how to insure homes against flooding. This site is the official web page for the Federal Emergency Management Agency.

 
 AGENCY LICENSE # 784350
Copyright George J. Smith & Son Insurance, All Rights Reserved 
Note: Per our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing.