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Consider our homeowners and condo insurance services.

Purchasing and owning your own home has never been more expensive. Since the biggest investment most people will ever make is their home, our team wants to help make sure you have the coverage you need in the event of a fire, water damage, theft, and more.
 
If your home is a condominium, you will need specific types of coverage. We want to help educate you about the differences, and make sure you make informed choices about your specific needs.


What coverages are available under homeowners insurance?

Comprehensive homeowners insurance can protect your home, other structures on your property, and your personal belongings, such as furniture, clothing, and appliances. A comprehensive policy can also cover additional living expenses, home replacement, and protect you from personal legal liability.

What are the special considerations for condominium owners?

Owning a condominium adds an additional layer of complexity when determining homeowners insurance coverage because your home is attached to other homes in the community, sharing walls, roofs, and common areas.
 
For example, your condo buyer’s prospectus almost certainly contains an insurance section with specific insurance requirements. Additionally, you want to ensure that your policy will cover full replacement cost.

Do I need loss assessment coverage?

Similar to the way a detached home is part of a Homeowners Association, your condo is as well. Consider obtaining Loss Assessment Coverage to protect your investment in the event a claim made against the association exceeds the association’s policy limits.
 
Also, many insurance companies will offer discounts and credits depending on security systems in place, resident minimum age requirements, and other modern amenities incorporated into your community.
 
While you should always check with your homeowners association and your own personal attorney, Marshall+Sterling can help you ask the right questions so you can make the best informed decision about the insurance you need.

Other solutions from Marshall+Sterling.

Business Insurance

Marshall+Sterling can help you analyze and assess your risk, delivering custom solutions to help you protect your business. 

Employee Health and Benefits

We provide our clients with a wide array of choices for cost-competitive programs throughout the insurance industry.

Retirement and Wealth

Dedicated to simplifying the complexities of the financial world and supporting you in achieving and protecting what matters most.