Condo Insurance

Looking for Condo Insurance in Michigan?

Condo by-laws vary in Michigan, but owners are generally responsible for their liability coverage and the interior of their units. Those who own condos may assume that their homeowners association insurance covers incidents like fires, lightning strikes, theft, and vandalism. But It’s likely your association’s insurance doesn’t cover things like your personal belongings and improvements.

Damage to common areas and the exterior of the building is covered by your condo association’s master policy, but you may need to buy a separate condo insurance policy called HO6. By getting a copy of your by-laws, you’ll know what your responsibilities will be in case of a claim.

We can help you understand the fine print and get you a condo insurance policy that protects your belongings.

Insurance for Town-homes

In addition, it is important to understand that some townhomes are insured just like condos and require a H0-6 policy to be in place. It is crucial that you have the right kind of insurance coverage if you live in a townhouse.

Mason-McBride is here to help you understand the differences between homeowners policies and condominium policies.

How Much Does Condo Insurance Cost?

There are several factors that affect the cost of condo insurance. The average cost, as well as the type and amount of coverage you need, will vary greatly depending on where you live and how much coverage you need. During your free consultation with Mason-McBride, you will be able to review your options and choose the amount of coverage that best fits your needs.

Is Condo Insurance Required?

Like homeowners insurance, most lenders require you to obtain condo insurance to safeguard your financial interests.

In fact, even if you have paid off your mortgage and purchased the property outright, you might still be on the hook for condo insurance as many homeowners associations require it.

Get a Proposal

Whether you need Michigan Condo Insurance, Auto InsuranceUmbrella Insurance, or a combination of coverages, our team of specialists will compare rates and find a coverage plan that offers complete protection.

Get an online quote started below, or give our office a call at (248) 822-7170.

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