Top O' Michigan Insurance Solutions

Condominium Insurance

A condominium insurance policy is designed specifically to meet your unique homeowner needs, including coverage for your personal possessions, structural improvements made to your living space and additional living expenses incurred due to an accident.

When selecting your coverage, it is important to determine what is covered by your association’s master policy and what items you're responsible for. Typically, your condo association carries an insurance policy for the common areas, such as the lobby, walkways, boiler, basement, etc.

Property Protection

A condominium insurance policy is intended to help safe guard you from losses to your personal property and the interior of your unit. This can often times be a challenge because you will need to estimate:

  • The cost to repair or replace the inside of your home if it were damaged. 
    • If you have done any remodeling or improvements, keep track of the cost for that work so that you can be fully insured to return your unit as it was before a claim.
  • The cost to replace the contents of your home. 
    • Using a Home Inventory Checklist can provide you with a better idea of what you have on hand. This can often times be under-estimated because items such as groceries, toiletries or even "hand-me-down" furniture can be undervalued.

We recommend insuring your personal property for its replacement-cost value to help you replace yesterday’s purchases at today’s price tags.

Liability Protection

In addition to your belongings, the liability-to-others portion of your policy covers you against lawsuits for bodily injury or property damage that you or a family member—and some cases, pets—cause to other people. It pays for both the cost of litigation and any court awards, up to the limit of your policy, and covers you at home or away.

Additional Coverages to Consider

'Get a Quote' to protect your condo unit, personal belongings and liability with a personalized insurance solution!

Top Ways to Save On Your Premium

  • Consider raising your deductible.
  • Invest in a home security system.
  • Update exterior locks to dead bolts.
  • Install smoke alarms.
  • Select an automatic payment method.
  • Monitor your credit rating.
  • Ask about our multi-policy discounts.

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Hillman, MI 49746

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Traverse City, MI 49684

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Iron River, MI 49935

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Petoskey, MI 49770-4401

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Gaylord, MI 49735-1401

Local: (989) 705-8664