If you own a condo in Council Bluffs, IA, Smith Davis Insurance has you covered.
Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas.
Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.
Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.
Condo insurance for Townhomes
It’s also important to understand that some townhomes are insured like condos, and therefore require an H0-6 policy.
If you live in a townhome, be sure that you have the correct type of insurance.
Smith Davis Insurance is here to help you understand the differences between a homeowners policy and a condo policy.
Call our office today, or click here to get started with your condo insurance quotes