Condo Insurance in Michigan

A condominium is a type of real estate ownership in which the owner of the unit is part of a larger residential complex – sharing ownership in common areas with the property's other unit-owners.

Insurance for a condominium in Michigan provides protection and coverage for your condo unit, your personal liability, and personal belongings. If you own a condo, the licensed insurance professionals at Ottawa Insurance Agency can help you determine how best to protect yourself, your family and your property.

Consider these important factors when reviewing condo insurance options:

Dwelling Coverage

Condominium insurance protects your condo from losses due to theft, fire, vandalism and other perils. It includes coverage for the unit's interior including walls, ceilings, floor coverings, fixtures and permanently attached appliances.

Liability Coverage

Condo insurance also provides liability protection should the insured be found responsible for someone else's bodily injury or property damage. For instance, if someone is injured in your condo, the liability insurance portion can help reimburse legal expenses and proposed settlements.

Personal Property Coverage

A large part of condo insurance is insuring your personal belongings. When considering personal property coverage, it is wise to inventory your belongings – electronics, clothing, furniture, etc. to determine a estimate of replacement value for all of the items you own.

Loss of Use Coverage

If your condo becomes temporarily uninhabitable due to a covered loss (e.g., fire, water damage), the additional expense to rent an apartment or hotel is covered while repairs are being made.

Additional Coverages

You also may want to add coverage for specific valuables like jewelry, artwork, firearms, or coverage for identity theft or cyber liability. Our experienced agents will guide you in choosing the right coverage endorsements to protect what’s important to you.

Contact a Leading Zeeland, MI Insurance Agency Today

For additional condo insurance information, contact Ottawa Insurance Agency's insurance specialists. They can help evaluate your insurance needs, provide coverage options, and offer professional guidance while determining how to best protect your Michigan condominium investment.