Condominium insurance in San Diego is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement. Protect your investment with condo insurance in San Diego from Matt Kalla Insurance Agency, Inc. !
Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let Matt Kalla Insurance Agency, Inc. help you find the right amount of coverage to suit your insurance needs California.
California – What you need to know about condo insurance
Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.
If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.
Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. Matt Kalla Insurance Agency, Inc. can help you determine your coverage needs to make sure you’re properly covered.
Protect yourself and your non-resident guests
Your condo insurance policy in California protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.
Inexpensive extra coverage for your condo insurance
Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.
Find unique insurance that is right for your condo
Contact Matt Kalla Insurance Agency, Inc. to identify the best combination of coverage, value, and price for you. We can help make sure your condo insurance continually meets your needs.
Frequently Asked Questions about Condo Insurance
What does condo insurance cover?
Condo insurance covers what is inside of your condo, not the building itself. Your HOA master policy will protect the building while a condo policy is intended to protect everything inside of your walls such as your kitchen cabinets, appliances, clothes, etc.
What does condo insurance not cover?
A condo policy does not cover the building’s exterior or common areas.
Do I need condo insurance?
You need to have condo insurance if you live in a condominium. The building itself is protected by the master HOA policy on your condo, but everything inside your unit is not covered unless you have your own condo insurance.
