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Condo Insurance in Ohio
Imagine a fire breaking out in the middle of the night, or a tree falling on your condo roof in the middle of a spring storm, sending waves of water cascading through your home. Incidents like these are all too common. However, making sure that you have the right insurance to be able to replace your condo and its contents can be a little tricky.
Condo Insurance in Central Ohio
Most condos have common walls and roofs that are insured by your condo's homeowners' association. You pay for this insurance via your HOA fee every month. This type of insurance covers things like the outer structure, the parking lot, the swimming pool, other outbuildings, and the roof. You likely voted on this policy and the carrier at one of your homeowners' association meetings.
However, the insurance that is included in your monthly HOA fee doesn't cover your personal property like your furniture and your clothes in the event of a disaster like a fire or theft. For this, you need a separate condo dwellers' insurance policy. Condo dwellers' insurance also covers damage to items that are specific to your condo unit, such as built-in bookcases, your kitchen appliances, and light fixtures.
A third benefit of having condo dwellers' insurance is personal liability coverage. This protects you in situations such as a guest falling on the ice outside your condo and suing you for the cost of their medical expenses. Clearly, opting to carry only the blanket policy that is included with your HOA fee is not enough.
To learn more about insuring your central Ohio condo and your personal property, contact the Smucker Insurance Agency, Inc. in Plain City, OH. We've been helping condo owners like you with their insurance needs for multiple years.