Condo Insurance: Clearwater FL 33762

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DRIVING THE COMPETITION DOWN FOR CONDOMINIUM INSURANCE IN Clearwater Fl 33762

Insurance Tip - HO-6 (Unit-Owners Form) This is a modified HO-2 policy specifically designed for owners of condominiums or cooperatives. A condominium or cooperative consists of 2 components for insurance purposes - the common areas and the building, and property specific to each unit owner. Thus, this named-perils policy covers certain semi-permanent structures, such as carpeting, wallpaper, built-in appliances, and kitchen cabinets, but it does not cover the structure itself or common areas, since this should be covered by insurance purchased by the condominium association or the cooperative. The policy does provide payment of up to $1,000 for a loss assessment charge by the condominium association or cooperative that is not covered by the insurance on the realty.

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