Insurance Facts for Condo Owners:

As a condominium owner you have special insurance needs.

Your condominium building structure and all common property are usually protected by a special policy purchased through the condominium association, but what about your personal belongings, theft losses, and personal liability protection?

Q Why would I need a condominium owners policy if my association has insurance?

A Your association does not provide insurance protection for the personal belongings in your individual unit or for damages resulting from an accidental loss which you become legally obligated.

Q What will the condominium Owners Policy provide?

A Most of your personal belongings are covered from loss by fire, theft, and many other types of insured perils up to the limits stated in your policy. You're also protected against loss from theft both at home and away from home, and against liability losses for accidents to visitors in your home- and more!

Q Just what is an "insured peril"?

A An insured peril is a cause of loss for which a condominium owners policy will provide protection. Insured perils include fire, smoke, lighting, explosion, riot, vandalism, windstorm, hail, theft, and water damage from plumbing.

Q Is there a discount for people who are retired?

Yes,we offer a discount to eligible people who are 55 years or older and who are retired.

For more information see or call Todd Insurance Agency today.