Condominium Insurance
Worry Less When Your Condo Is Protected By Cushman Insurance
Whether you’re a first-time condo buyer who needs help with a new insurance policy or you’re a longtime condo owner who is looking for a more personal relationship with your insurance provider, you’ve come to the right place. At Cushman Insurance Group, our local and experienced agents will identify the condo insurance coverage that is the best fit for your special condo. Plus, we will ensure that you are clear on every detail of your policy, including the coverages provided, and their limits and exclusions.
When you decide to partner with the Cushman team, you can be confident that we will begin our relationship by getting to know all about you and your property, by asking a series of questions that includes:
-
Where is your condo located?
-
What kind of building is it in; for example, is it in a multi-family condo conversion or a large complex?
-
How many neighboring units are there?
-
What type of heat and electricity do you have?
-
Are there any special treatments inside, such as high-end appliances, granite counter tops or custom molding?
-
Have you made any home improvements since you purchased the unit, like a finished basement or added a master bathroom?
Understanding Your Association’s Master Condo Insurance Policy
We will take the time to explore one of the most important factors that will go into deciding what condo unit coverage is right for you: what is, and is not, included in your association’s master condo insurance policy. The coverage provided by a master condo policy is not always easy to figure out and even condo owners who have been living in their homes for years can have difficulty providing us with details of their master condo insurance policy.
aThat’s why, as your insurance agent, the team at Cushman will conduct a thorough review of your Master Condo Docs. Specifically, we will want to determine which of the following two coverages your association has in place:
-
An “All-In” policy: This is the most inclusive policy and will cover the majority of any permanent items inside your condo, including the appliances, wiring, plumbing, and flooring. However, the “All-In” policy will not cover your personal belongings, like furniture, clothing, electronics, etc.
-
A “Bare Walls-In” policy: This type of policy does not cover any permanent items inside your condo or personal property within the walls of your unit. Typically a Walls-In policy only protects the common area of your building, for example the entry way, stairwells, common laundry room or rec-room.
Based on what we uncover during our thorough review process, we will design a competitive condo insurance quote that fits the needs of your distinct property and covers any gaps left by your master condo insurance protection.
If you want to worry less about all the things that could happen to your condo, and live more of the relaxing condo life, then contact us today at 508-586-5310. A member of our team will gladly take the time to get to know you and help you with all of your condo insurance needs.
As locals ourselves, the team at Cushman understands how diverse the condo market is here in Southeastern Massachusetts. It is our goal, as your agent, to make sure that you have the most comprehensive policy for your distinct condo. With that in mind, we will make sure you have the appropriate coverages, including:
-
Personal Possessions
-
Loss of Use
-
Personal Liability
-
Water Back-up
-
Umbrella Liability
-
Flood Insurance
-
Additions and Alterations Special Coverage
-
Medical Payments
-
Loss Assessment Coverage
-
Replacement Cost Coverage
-
Jewelry and Fine Arts Riders
-
Unit Owners
In addition to incorporating the proper coverages, you can also count on the Cushman team to apply all available discounts. From bundling your condo and your car with the same insurance carrier to credits for smoke detectors and burglar alarms, we will uncover all the savings you are eligible for. Plus, if there ever comes a time when you have to file a claim due to a loss, our team will be by your side every step of the way through the claims process until it’s resolved.