© 2011 Farmin Rothrock & Parrott
© 2011 Farmin, Rothrock & Parrott, Inc
Get an Condo
Insurance Quote Now
Three Ways to get your insurance quotation:
Use our Online Rater to compare quotes from
several of our companies. If you want to proceed
with coverage, you have the option to request us
to contact you.
Advantage: Compare several companies at once
Use the Online Rater of one of our Preferred
Companies, Safeco, to get your quote. You have
the option of buying the policy instantly with a
credit card if you want to.
Advantage: Instant coverage, even on a weekend
Contact us using a simple online form or just by
using the telephone. We will get all the
information we need and run all the quotes for
you.
Advantage: Less time spent at the computer
Condo Insurance
Owners of condominiums face a unique insurance situation
that is specifically addressed by the Condo Insurance policy.
Although you own the condo itself, the condo building is
normally owned by the association and is insured
separately. Many people think that the association insures
the entire building so they only have to insure their contents
and in most cases that is simply not the case.
Most condo owners are legally responsible for insuring
everything in their unit “from the drywall in”. That means wall
coverings, carpet, interior partitions, plumbing fixtures,
kitchen cabinets and even the individual heat and air
condtioning units. This is all in addition to your personal
belongings.
The association’s policy covers the building itself and the
common areas, but replaces an individual unit only to the
“four bare walls”. While this is the most common
arrangement, it is important to know that the Bylaws and
Articles of Condominium are the documents that determine
what each party is responsible for. If you are not sure, it is
important to get these documents and find out what you are
responsible for.
In the event of a fire, if all you are carrying is Contents
insurance you may find yourself woefully underinsured. The
first thing is to check the documents mentioned above, the
second thing is to select one of the options at the right to get
a quote on Condo Insurance right now.
© 2011 Farmin, Rothrock & Parrott, Inc
Get an Condo
Insurance Quote Now
Three Ways to get your insurance quotation:
Use our Online Rater to compare quotes from
several of our companies. If you want to proceed
with coverage, you have the option to request us
to contact you.
Advantage: Compare several companies at once
Use the Online Rater of one of our Preferred
Companies, Safeco, to get your quote. You have
the option of buying the policy instantly with a
credit card if you want to.
Advantage: Instant coverage, even on a weekend
Contact us using a simple online form or just by
using the telephone. We will get all the
information we need and run all the quotes for
you.
Advantage: Less time spent at the computer
Condo Insurance
Owners of condominiums face a unique insurance situation
that is specifically addressed by the Condo Insurance policy.
Although you own the condo itself, the condo building is
normally owned by the association and is insured
separately. Many people think that the association insures
the entire building so they only have to insure their contents
and in most cases that is simply not the case.
Most condo owners are legally responsible for insuring
everything in their unit “from the drywall in”. That means wall
coverings, carpet, interior partitions, plumbing fixtures,
kitchen cabinets and even the individual heat and air
condtioning units. This is all in addition to your personal
belongings.
The association’s policy covers the building itself and the
common areas, but replaces an individual unit only to the
“four bare walls”. While this is the most common
arrangement, it is important to know that the Bylaws and
Articles of Condominium are the documents that determine
what each party is responsible for. If you are not sure, it is
important to get these documents and find out what you are
responsible for.
In the event of a fire, if all you are carrying is Contents
insurance you may find yourself woefully underinsured. The
first thing is to check the documents mentioned above, the
second thing is to select one of the options at the right to get
a quote on Condo Insurance right now.