One of the largest property and casualty markets in the US today is owner-occupied condos, landlord and vacant condo and renters insurance. In the US alone there are 40 million renter occupied dwellings, 700,000 secondary use condos and 4.5 million primary-use condos.

Your condo insurance should be specialized to fit your individual circumstances, whether for primary residence or rental purposes. We partner with Foremost Insurance for landlord coverage expertise to ensure you get the right protection.

Comprehensive Property Coverage

We cover the most direct, sudden and accidental physical losses that aren’t specifically excluded in your policy.

Named Peril Coverage

Perils are those things like fire, explosion, lightning, windstorm and hail damage.

Replacement Cost Options

• Optional Replacement Cost – Settlements reflect replacement costs without any deduction for depreciation.
• Agreed Loss Settlement – Full agreed-upon insurance amount paid if your home is destroyed.
• Actual Cash Value – Coverage includes a deduction for depreciation.
• Extended Replacement Cost – Up to an additional 25% of the insured amount.

Liability Coverage

This provides coverage if you are found legally responsible for an accident that causes injury to someone on the rental premises or causes property damage.

Additional Landlord Protections

We also offer the following protections for landlords:

• Loss of Rents
• Liability Limits
• Personal Injury
• Landlord Coverage
• Structure Coverage
• Repair Costs
• Water Damage from Sewers and Drains

We also recommend that tenants obtain renters insurance to protect their personal belongings and provide liability coverage.

Getting started is easy. Call or email for a quote.