If you are a condo owner in or near Jenkintown, PA, you can count on the Richard Zeises Agency to provide the insurance help that you need. As independent insurance agents, we represent more than one insurance carrier, which gives you more choice and the potential for a better rate. We also work for our customers, not one insurance company.

Condo insurance is different from home insurance

When you own a condo, the exterior of the building is insured by the condo association. How far it goes inside the walls depends on the master policy. You are covered against perils, but the master policy also covers the public areas for liability, so if someone visiting you is injured in the parking lot, the condo association is responsible. 

It covers your possessions away from home

Your condo policy covers your personal possessions while in your unit, but it also covers them when they are away from home. So, if something you own is stolen from your vehicle, it is covered by your content insurance. There will be a deductible, but if it is something like a laptop, it is worth filing a claim.

You have choices when it comes to your content coverage

Much like home insurance, you have options regarding your Condo content coverage. You can choose replacement cost or current value. It does make a difference. If you have a 6-year-old sofa, its value today differs from when you purchased it. It can make quite a significant difference in the valuation. It would be best to decide how much of your possessions you want to replace.  

Contact Richard Zeises Agency in Jenkintown, PA, when you are in the market for new condo insurance or are a first-time condo owner.