If you own a townhouse or condo in the greater Hyde Park, Highland, Lagrange, Poughkeepsie, Fishkill, or the Hudson Valley area, you have different insurance needs than the typical home insurance policy can provide. Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building. If shared areas need upkeep and maintenance, your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.
Condo insurance provides protection where condo associations do not. Condo and townhouse coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovatons, and wallpaper.
If you would like to feel more secure, you should look into purchasing a condo or townhouse insurance plan from Carter-MGM Insurance Agency. Contact us to get a condo or townhouse insurance quote right now!