If you own a condo in Durham, NC, it's important to understand that your homeowners' association policy may not cover everything. A condo insurance policy, known as HO-6, protects your personal belongings, the interior of your unit, and provides liability protection. Benfield Insurance Agency simplifies the process, ensuring you get the right coverage. If you have questions, give us a call at 828-632-6505 for personalized guidance.
Your condo insurance typically provides protection for the following:
Interior Protection: Covers damage to walls, floors, and permanent fixtures within your condo.
Personal Property: Offers coverage for personal items like furniture, electronics, and other belongings.
Liability Protection: Covers medical and legal expenses if someone is injured while in your condo.
Here are some of the most common claims condo owners file:
| Claim Type | Description |
|---|---|
| Water Damage | Covers repair costs for water damage from leaks or burst pipes. |
| Theft | Reimburses you for stolen personal items, including electronics and jewelry. |
| Fire Damage | Helps with repairs and replacements after fire-related incidents. |
| Liability Claims | Covers legal and medical costs if someone is injured on your property. |
When selecting a condo insurance policy, it’s important to assess the value of your personal belongings and the condition of your condo’s interior. Benfield Insurance Agency works closely with you to customize the ideal coverage plan. For more information, call 828-632-6505 today.