Condominium Insurance

Did You Know? Condominium insurance is different than conventional home insurance.

Proper coverage for your Condo Unit

In many instances, the condominium association assumes responsibility for insuring certain types of damage to the dwelling structure. When the condominium association insures the building, a unit owner policy is normally written to cover the condo unit owner.

To be more economical, your condo association may insure all of the basic structures and common elements like fixtures (but not necessarily appliances, carpeting, cabinets, or wall coverings) under a single package policy, often called an Association Master Policy.

If you own a condo unit, speak to your property manager to see what coverage is currently in place and ensure you get proper coverage for your unit and personal belongings.

Call Benson Kearley IFG to learn more about condo insurance.

Save when you combine!

Take advantage of reduced premiums when you combine your home and auto insurance!

You Asked, We Answered

Visit our FAQ page on tips for premium savings and general insurance questions!

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What information is needed to make a claim?

Your policy number, photos of the damage, police reports with date, time, and location of incident, correspondence relating to the claimed event, names and contacts of any service providers you used, invoices for any out-of-pocket expenses, receipts for lost or damaged items Contact information/phone numbers where you can be reached

If I make a claim will my rates change?

It comes down to your specific situation. During the renewal process, your past claims history will be taken into account, but you won’t know the full impact until your renewal is finalized.

What do I do if my basement is flooding

You should do the following: Turn off any electricity, shut off the water source, locate the leakage, determine if any household items can be removed or salvaged to prevent further damage. Call BKIFG so we can start the claim right away

What if I want to make changes to my policy?

If you need to update details of your account profile, you’d like to add a driver, or if you’ve changed jobs and now your commute has changed, contact BKIFG. You’re in control of the coverages, changes to premiums, and confirmation of any changes.