Condo Insurance in Pennsylvania

Condominiums in Pennsylvania have the same insurance needs as the residents of single-family dwellings.  However, a condo association master policy normally has limitations in coverage which is good reason to consider a separate insurance policy.  Condo insurance is available from Daniel Carinci Agency, LLC. serving Pittsburgh, PA and the surrounding areas.

Understanding the Risks

The residents of condominiums typically face the same risks as those who live in individual houses.  Residential fires are a severe threat that can result in the loss of your property and all of your personal possessions.  The weather in Pennsylvania is not always hospitable and can be equally destructive.  There is also the risk of the theft of your valuables or other personal property.  Still, other threats are financial in scope, stemming from injury to visitors that may result from hazardous conditions or family members' actions or personal pets.  A condo insurance policy can protect against these and other risks.

The Coverage We Provide

Your master insurance policy will only cover common areas within the condominium, such as exterior walls, hallways, and the roof of the building.  You would need a separate policy to cover everything else including furniture and appliances which could be damaged or destroyed by fire, weather events, or lost through acts of vandalism.  This coverage can also provide protection in personal liability cases including the cost of medical care needed by someone who is injured while on your property.  Some policies may even cover the full value of your property, considering the depreciation of specific items.  Condo insurance can also provide living expenses if your property is uninhabitable.  

Talk to Us

If you live near Pittsburgh, PA or in any of the states listed below and in need of an insurance policy we invite you to give us a call.  Whether you're requesting a quote to compare or have general insurance questions we are here to help.