Condo insurance covers the inside of your unit in the event of accidental damage to improvements not covered by your HOA policy.
Condo Insurance in California
Having an adequate Condo Insurance plan, also known as an HO-6 Policy, for your home in California is important to protect your real estate investment. Although insuring your Condominium is as important as a traditional Home Insurance the coverage does have some differences. If you own a Condo you are typically part of a Homeowners Association. Your Association is only responsible to cover what is considered “real property” such as the grounds, common areas and the structure of your unit. You are still responsible for the following and more:
Worldwide coverage for your personal belongings in the event of damage or theft.
If your condo is damaged, and you can’t stay there during repairs, Condo insurance covers hotel stays and meals (above what you’d normally pay).
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Martinez Insurance Agency
16909 Parthenia St. Suite 303,
Northridge, CA 91343
Phone: (800) 228-4771
Fax (818) 473-4901