Archive for Condo Unit Owners 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 ...

Do you Plan on Renting your Condo Out to Others?

Do you Plan on Renting your Condo Out to Others?

December 8, 2010 No Comments

If you plan on renting your condominium out to others, even for a short time, you should know that there is an endorsement which can easily be added to your insurance policy which provides property and liability coverage for the unit owner while the residence premises is rented to others. Theft coverage is provided for ...

Condo owners might be wasting cash on extra coverage

Condo owners might be wasting cash on extra coverage

March 12, 2008 No Comments

Whether you just purchased your first condominium or have lived in one for some time, a personal condominium unit owner’s policy is a must. Dollar for dollar, it may be one the best insurance products available. In addition to providing personal property protection it can be designed to include some very critical protection. One area ...

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 ...

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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....