Condo Coverages
Coverages
Condominium Coverage
Covers your condo and other structures at your residence for which you’re responsible.
Personal Property Coverage
Your personal possessions are covered anywhere in the world.
Personal Liability Coverage
Provides coverage for incidents occurring anywhere in the world and protects against lawsuits for which you may become liable.
Medical Payments to Others
Coverage for others who are injured at your residence.
Additional Living Expenses
Pays for expenses if you are unable to stay in your condo after a covered loss.
Optional Coverages
Condo-Owners Plus Endorsement
This coverage builds on your policy by providing several additional coverages in one package. It includes coverage for refrigerated products, appliance leakage, extra expenses for your mortgage and a waiver of the glass deductible. A coverage example would be if you lose power and a refrigerator full of food spoils, you’re covered up to $750.
Water Backup of Sewers or Drains
Backed up sewers or drains can wreak havoc, causing damage to floors, walls, furniture and electrical systems. Coverage for water backup is available with a wide array of limits to suit your needs.
Personal Property Replacement Cost
Covers repair or replacement of your personal property without a deduction for depreciation.
Special Personal Property Coverage
Provides broader coverage for your personal possessions. This endorsement gives additional causes of loss, including misplacement.
Ordinance or Law Coverage
Sometimes, local ordinances or laws can regulate construction, repair or demolition of your property. This coverage will pay to get you up to code.
Identity Theft Expense Coverage
Provides up to $15,000 for expenses incurred when trying to restore your financial identity.
How Do I Get a Quote?
Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.