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shirley_awana | How much condo insurance should one get? |
if i have a condo that i want to get insurance for, what is a good amount? the condo is 1215 sq ft w/ 2 bath & 2 bedroom. |
 |
 
mbrcatz
|
Well, you need to sit down with an agent and figure that out. Most of the time, you're responsible for MORE than just the contents - but you need to read your bylaws to see if you're responsible for studs in, or paint in, etc. Plus, any customizing you do - like that new kitchen. Plus, what's the deductible on your master policy? You don't want to get stuck with THAT much, if only your unit has damage.
Lastly, keep in mind that little talked about coverage - "Loss Assessment", for when you are assessed a portion of total damages that aren't covered under the master policy, but would be covered if it was just your unit.
Too many variables for an accurate answer from those of us on the 'net. |
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sky
|
Enough to cover the replacement value of your contents (clothes, furniture, appliances & material items you own) and also include a $100,000 of liability. Choose a deductible that you cold cover from your checking account such as $250 or $500. Definately get one, though. You need it. Make sure the insurance company is rated at least "A-" by A.M.Best for claim paying ability. Good luck! |
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dr.dryice
 |
Talk to a good broker about your needs. If you own the condo, you need to be insured against a fire, also a fire or water leak in the building that damages your unit.
You need adequate contents coverage to replace what you have if it damaged or stolen, and you should have at least 1,000,000 dollars liability, two million if you can afford it.
Find out what insurance is in place on the whole building from the condo coropration board. You want your insurance to compliment that coverage, not compete with it. If you are covered by two different policies for the same peril and something happens, NEITHER insurance company will pay, so make sure you don't get in that situation.
I LICENSED broker is your best bet. |
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Rishi S
 |
The good thing is that Condo insurance is really really cheap. I pay $13 a month. Seriously. And that covers me up to 300,000.
Get something similar to what I have. Or better if you can afford it. |
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ktlove
|
well, first you have to figure out how much it would cost if a fire pretty much burned down your entire unit, cause i bet you have to pay for the flooring and walls right? then add in your entire kitchen, bathroom ect. maybe about $50-$70 per square foot? then figure out how much you want to cover for your own personal property, (basicly everything inside your unit, what you would pack up and take when you move)
dont forget to add the replacement cost endorsment for your personal property, thats very important, and tell your agent those numbers, and if its to high of a price quote, lower the coverage a bit. i dont know where you live to guess how much your premium will be, but make sure you covered well. |
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