Types of Condo Insurance Coverages in Kansas
There are several different protections you will find when getting condo insurance in Kansas. An agent at The Insurance Hub LLC in Wichita, KS can help make sure you find the right amount of coverage.
Dwelling coverage for your condo protects items you are responsible for in the condo. This includes improvements or changes you have made, along with fixtures and appliances. If the plumbing in the kitchen leaks and damages flooring, then this coverage helps with repair costs. Personal property coverage protects the belongings you have in your condos, such as clothing and furniture, within certain limitations. Loss of use coverage pays for living expenses if you cannot reside in the condo after covered losses. Medical payments coverage pays for medical bills if someone is hurt on the property. This provides coverage whether you are legally responsible for the injury or not. Personal liability coverage pays for court judgments and legal defenses if someone is injured at your condo or you cause damage to someone else’s property.
What to Know About Condo Insurance in Kansas?
When you purchase a condo in Wichita, KS, you need to know what is already covered by the condo association. This is typically called the master policy, and it usually covers shared spaces, common rooms, pool areas, gyms, and the roof. In some instances, the master policy may also protect the structure of your condo, including the ceiling, floors, and walls. Other policies may cover the original construction with standard features. In the event of a loss, the master policy will pay its portion, but you still are responsible for the deductible and any extra losses beyond those limits, also known as loss assessment. You can get insurance coverage for this as well. Knowing what the master policy covers will help you make sure that you have enough coverage.
Contact The Insurance Hub LLC to get a quote on condo insurance.