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Home is where my couch is.
When you own a condo, you technically aren’t the only one who owns it. Odds are you have a Condo Corporation that also has a financial interest in the units and common areas. Often people think this means that their unit and their financial risks are protected, but that’s not the case. Your belongings, liability, and your relationship with your Condo Corporation are all reasons why you’ll want a policy that matches your needs.
With HWICLICK, you can quote, buy and manage your condo insurance online in minutes. Let’s protect what matters most to you.
Do you have a mortgage? If so, you were likely offered life, disability and critical illness protection on your loan. Did you buy it? Well that’s okay, most people do! The buying process of a home can be complicated, and it’s easy to be overwhelmed by it all. We want to make sure that you’re protected by a policy that best fits your life, your needs, and your preferences!
Don’t settle for the same cookie cutter policy they offer every type of client. Take 10 minutes to review your situation with one of our life & benefits advisors and make sure your coverage is right for you!
Products & Coverages
Your stuff is a huge part of your life! With protection on your belongings, both your functional items, (like your dishwasher and lawnmower) and your comfort items, (like your awesome couch, and big screen TV) are protected. You can rest easy knowing that, in the event of a loss, your insurance will help get your life back to the way it was by replacing or repairing your belongings.
No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. Liability automatically comes with your home insurance, but reviewing your policy with your advisor to make sure you’re properly protected is essential.
This coverage is designed to protect your interest in your unit if your condominium corporation has no insurance, its insurance is inadequate, or it is not effective. So if a loss happens and your condo board’s insurance isn’t going to cut it, they will assess the remaining cost of the damage back to you. If the damage is caused by something that is normally covered by your policy, your insurance will respond.
Loss Assessment Coverage
This coverage responds when there is a loss to collectively owned condo property, and the condo corporation’s insurance isn’t enough. For example, this coverage protects areas like parking lots and pools. If a loss happens to the pool that is shared by the entire condominium, and your condo corporation’s insurance is not adequate, your condo corporation will assess the cost of the damage back to all the unit owners.