If you own a townhome or condo in Orange County CA, you have different insurance needs than the typical homeowner or renter. Now that you own your new condo, you also share ownership in the common areas and overall structure of your building. While the ammenities that you now have access to are great you need to make sure you are fully protected.  Your homeowners association will typically handle the expense for maintenance in the common areas and they will cover their liability needs tthrough their insurance policy. Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.

You can think of condominium insurance as it providing protection where the condo associations insurance policy does not. Condo and townhome coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, wallpaper.  It is important to remember to call your insurance agent and increase you insurance limits if you do any upgrades to your condo.

You should consider looking into purchasing a condo or townhome insurance from Integrity Now Insurance Brokers. Contact us to get a condo or townhouse insurance quote right now!