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Lana Insurance Center Inc

1259 South Broad St
Wallingford, CT 06492

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Condo Insurance in Connecticut

Condo insurance is similar to homeowner’s insurance in that it can protect you in the event of an emergency in your condominium. In the state of Connecticut, this type of insurance is not required by law, but that doesn't mean that you don't need to have it. Here's what you need to know.

Condo Insurance Requirements

Though you may not need condo insurance to satisfy Connecticut law, your lender or condo association might still require you to have it. If you took out a mortgage to fund the purchase of your condo, your lender may stipulate that you maintain a minimum level of coverage for the duration of your loan in order to protect them from the risk of you not being able to make your payments.

Similarly, your condo association in Wallingford, CT may require all residents in the community to have condo insurance as part of the community rules or bylaws. In some cases, your condo association may provide some level of insurance for you, but it may not be enough to provide total coverage for true emergencies. In cases like this, you may wish to take out condo insurance to provide additional protection for yourself.

Components of Condo Insurance

Like homeowner’s insurance, condo insurance typically includes both property and liability coverage. The property component can help cover the costs of repairing or rebuilding your condo if it is destroyed. The liability portion of your policy will protect you if someone gets injured while visiting your condo, helping to cover any medical expenses they incur. Coverage for the contents of your condo, including furniture, appliances and other belongings, is usually optional, but adding personal property coverage to your policy can give you added peace of mind and help you replace lost or damaged items.

Cover Your Condo with Lana Insurance Center Inc.

We'll be happy to assist you in choosing the most appropriate insurance coverage for your Meriden, North Haven, or Wallingford, CT area condo. Get in touch with us today to learn more.

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