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It’s What’s On The Inside
It’s what’s on the inside that counts. As the owner of a condominium or townhome, your association’s insurance most likely covers the building, commonly owned property, and liability for the association, but the rest is up to you. Condo insurance protects your personal belongings and any parts of your condo or townhome for which you are personally responsible if your property is stolen or damaged.
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How Much Coverage?
To help determine the coverage that’s right for you:
- Fill out a Farm Bureau Home Inventory to determine the value of your personal property.
- Make a list of high-value items like jewelry, cameras and electronics that may require special personal property coverage.
When you meet with your agent, bring your condo owner’s agreement and let him or her help pinpoint your coverage needs.
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Air Conditioners, Water Heaters and More
Home systems – furnace, air conditioner, hot water heater and other appliances – tend to break down at the most inconvenient times. Our Residential Equipment Breakdown Coverage can protect you from the high cost of replacing these systems as well as home electronic systems. Your home electronics systems such as stereos, televisions and computers are covered too.
Customized Condo Insurance
I can help you get the coverage that’s right for you:
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Replacement Cost Coverage
Provides the full replacement cost of damaged items, even if the item has depreciated in value.
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Actual Cash Value Coverage
Reimburses you only for what the damaged item is worth, not the cost of a replacement item.
Additional coverage you may want to consider:
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Special Personal Property Insurance
Covers valuable items like cameras, jewelry and electronics that are not covered in your condo insurance policy. Learn more about special personal property insurance.
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Umbrella Liability Coverage
An overarching liability policy that will cover costs beyond your condo and car insurance liability in the event of an accident.
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Residential Equipment Breakdown Insurance
Protects home systems not covered under your condo policy like your furnace, air conditioner, hot water heater, appliances, stereos, TVs and computers. Learn more about Residential Equipment Breakdown.
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Farm Bureau Member's Choice
You’ll save time and money when you bundle your car and condo insurance with us. Plus, you’ll have the convenience of one policy, one premium and just one deductible for all your covered possessions. Email me to learn more about our Farm Bureau Member’s Choice policy.
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Continued In-Force Credit
Client/members who continue to renew their Farm Bureau Member's Choice policies are rewarded with loyalty credit.
