Archive for Association Members Blog

(Don’t) Ask Your Agent

(Don’t) Ask Your Agent

December 27, 2010 No Comments

I am an excellent insurance agent, trust me.  I can answer most insurance questions that people ask me.  I am trained to do so and I go to classes all the time to catch up and remain informed.  If I do not know the answer to your question, I have resources and will get back ...

Can I Have a Grill at My Condo?

Can I Have a Grill at My Condo?

December 8, 2010 No Comments

Brownstone Insurance has been insuring condo associations and unit owners for years.  I wish I had a dime for each time someone has called me to ask if having a grill on their deck or rooftop was in violation of the insurance policy. Unit owners have called me because they already have one and another ...

What is demolition & increased cost of construction coverage?

What is demolition & increased cost of construction coverage?

March 12, 2008 No Comments

A typical introductory conversation between an insurance agent and customer that revolves around how much coverage is needed on building policy will usually neglect one of its most crucial parts – Demolition & Increased Cost of Construction.  Policyholders are well versed in how much their building is worth in the real estate market, but are ...

Water backup and condos- Who covers it?

Water backup and condos- Who covers it?

March 11, 2008 No Comments

Water is a peril that is often misunderstood by policy owners.  Water backup damage can be very costly, and condo association members are often not sure who covers it. While it is commonly accepted that flood is not a covered peril of a typical homeowner’s insurance policy, there are other types of water damage that ...

4 Reasons to Always Use an Insured Contractor

4 Reasons to Always Use an Insured Contractor

March 11, 2008 No Comments

Having work done in your home can be very stressful, which is why you should always make sure you are using a fully insured contractor. 1.    If an insured contractor does work and a loss occurs due to their negligence, their Liability Insurance will cover it.  If the contractor is uninsured, your insurance will respond. ...

Page 1 of 212»

The 5 Basics of Condo Insurance Part 5- Medical Payments

If a person is injured in your condo and they are not named on your policy, this coverage would...

The 5 Basics of Condo Insurance Part 4- Personal Liability Coverage

One of the most important parts of a condo insurance policy is the Personal Liability Coverage. This will cover...

The 5 Basics of Condo Insurance Part 3- Loss of Use

If a loss occurs and your home is damaged, it will take some time to renovate your home. During...

The 5 Basics of Condo Insurance Part 2- Personal Property

Personal Property Coverage typically protects your personal belongings against the same list of risks and perils mentioned in Dwelling...

The 5 Basics of Condo Insurance Part 1- Dwelling Coverage

Insurance companies offer Dwelling Coverage, which generally insures the interior walls, drywall, wallpaper, paneling, flooring, carpeting, or built-in cabinets....