At Ezzi Insurance Advisors, we work with companies that offer Condominium Associations a comprehensive property and liability insurance policy that is designed specifically to meet the unique needs of condominium communities. The coverage options include:
- Special causes of loss on building, contents, loss of income, and extra expense
- Definition of building to include pools, walkways, and fences
- Real estate manager coverage available on crime coverage
- Landscape Coverage including vandalism
Your association should have a master policy that covers all of your common structures and property including buildings, hallways, elevators, and sidewalks. But a truly complete insurance package will often also include options like these:
- General Liability: A standard inclusion with many types of insurance, this protects you against all types of accidents and incidents that can occur on your property
- Directors’ and Officers’ Liability: This keeps your board from being held personally responsible for decisions they make while serving the association
- Sewer and Drain Backup Coverage: Although it’s often critical to have, protection against sewage backup is often excluded in a standard association plan
As mentioned, your insurance needs will be determined by your association’s operational practices, governing rules, and type of property. We can help you sort through the details to find the right plan.
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