Condominium insurance policies typically provide basic protection. But they may not provide all of the protection you want or need. Consider these additional condo insurance coverage options to tailor a policy that's right for you.
Scheduled Personal Property
Provides additional condominium insurance coverage for high value items such as jewelry, watches, antiques and fine art.
Extended Replacement Cost on Contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.
Water Backup of Sewer
Broadens the coverage for loss due to water backup through sewers or drains.
Protect Your Property with Condominium Insurance
You've worked hard to get where you are, so protect your personal property and condominium with a condominium insurance policy from the Rich Reilly Insurance Agency.
Your condo association likely has insurance covering only the common areas and grounds of your condominium complex. If an accident or theft occurs inside your condo, you'll need additional protection. That's why our agency offers condominium homeowners insurance that can be tailored to fit your unique needs.
Our coverage offers excellent protection for your dwelling and property. It provides coverage for damage to improvements, alterations or additional you make in your unit. It also provides coverage for your household contents and personal belongings.
Condominium Insurance Protects Against These Perils
- Fire and Lightning
- Windstorm and Hail
- Explosion
- Riot and Civil Commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism & Malicious Mischief
- Theft at Residence
- Falling Objects
- Weigh of Ice or Snow
- Accidental Overflow of water from Plumbing
- Accidental Electrical Damage to Appliances
- Damage by Accidental Cracking or Bursting of Hot Water Heating Units
- Glass Breakage
Other Important Condominium Insurance Coverages
- Loss assessments (condominium association)
- Building additions & alterations
- Pays to replace locks when keys are stolen
- Loss of use
- Consequential loss
- Credit card forgery
- Reasonable repairs
Personal Liability and Medical Payments to Others Coverages
- Provides protection against injury to others or destruction of others' property, including medical expenses, ambulance charges, hospital expenses, and cost of registered nurse
- Personal Liability coverage protects you and your spouse or any relatives living with you and anyone under age 21 in your care
- Protects against claims you're legally obligated to pay: bodily injury, sickness, disease, and death of others
- First Aid Expenses of Others
- Accidental Death Benefits
- Damage to Property of Others
- Pays cost of defending claim against you, whether you are liable or not
Direct Physical Loss (all physical risk) Coverage
- Damage to Walls
- Chemical Spills
- Scorched Surfaces
- Interior Damage by Melting Ice and Frozen Snow
Additional Coverages for High-Valued Personal Property
- Jewelry, Watches & Furs
- Guns
- Tools
- Cameras/Camcorders
- Silverware/Gold ware/Pewter ware
- Money/Coins/Gold
- Computers
- Business Property on Premises
For more information about our condominium insurance products and services, please email or call us at 301-262-8600. You can also get a quote now by completing our online form.