Condos are of course homes just like freestanding houses, but condo insurance isn’t exactly like home insurance. When you own a condo, you want to be sure you have the coverage you need to protect your home. When you have questions about coverage, it really helps to have a locally owned and operated independent insurance agent who knows you and whom you trust. At Luebbering Insurance Agency LLC in Jefferson City MO, we have been in business for more than 30 years and are committed to providing our customers with high-quality service and some of the best carriers in the business. 

Building

When you own a condo, you won’t be insuring your entire condo. The condo association will have a master policy that covers part of your condo. How big a part depends on their policy, but it will be the exterior and common areas at the very least. Before you choose your condo insurance, read the master policy to see how much building coverage you need.

Content

Content includes a lot of different things. You have all your personal possessions clothes and jewelry. It covers your electronics like a TV, stereo, computer and cell phone. But there is much more than that, you have furniture, decor, appliances, dishes, it goes on and on. You will want to replace some items if they are lost to a covered peril and that requires insurance. 

Loss of use

If your condo is damaged by a covered peril, you may need to find a temporary place to stay. With loss of use coverage you can go to a hotel and if it is going to be longer, get a rental until your condo gets its occupancy certificate. 

At Luebbering Insurance Agency LLC in Jefferson City, MO, we invite you to contact us with any questions you may have about condo insurance.