Condo

Preferred Guardian Insurance, an independent insurance broker, with access to multiple home insurance companies can offer you the cheapest condo insurance rates WITHOUT sacrificing coverage for your specific needs.

Preferred Guardian Insurance has agents that specialize in the home and auto insurance field.  These same specialists are available to explain coverage, know how to customize the coverage that fits your family’s needs and take advantage of policy discounts.  With access to MANY Different Insurance Companies, PGI should be your insurance agency or insurance broker of choice.

Condo Insurance Coverage Options

Association Policy

Covers common areas and property owned collectively – this type of policy is held by the condo association.

Personal Condo Owner’s Policy

Covers private property – property you have sole ownership of or are solely responsible

Property Insurance

⦁ Structures owned solely by you
⦁ Portions of the unit- walls, flooring, partitions, built in appliances, etc.

Personal Property Insurance

Personal possessions

Additional Living Expense

In the event that you are unable to live in your condo due to accidental damage, the insurance will reimburse you for cost of living and meals, or loss of rent if you are renting your unit to someone.

Personal Liability Coverage

Coverage for claims resulting from bodily injury to others or damages from property you own. Protects someone if they are accidentally injured in your home or if their property is damaged due to you, your family, pets, or personal activities.

Medical Payments

Coverage for medical expenses for bodily injury to others

Loss Assessment

Protection from bodily injury or property damage claims against the association

Personal Articles Coverage

Protects specific high-value items

Additional Coverage Endorsement

⦁ This protection extends limits on jewelry, guns, silverware
⦁ Extends Personal Liability and provides Personal Injury Protection against slander, libel, defamation, or similar offenses