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Does condo insurance cover stolen goods?

You come in from a night of fun in town only to learn that someone has burglarized your condo. They took everything from your computers to the antique clock that your grandmother gifted you with when you got married. The only thing potentially worse than being robbed in Miami Beach, FL is the uncertainty of whether or not your condo insurance policy covers everything. Assure-Us can help you sort out the tough questions of condominium indemnity plans.

Understanding limits and deductibles

Just as with car insurance, your condo assurance policy typically goes to work after you pay the deductible. Your policy limit may be $500,000, but it is not until you pay the $500 deductible that such funds will be released. In some instances, insurance companies offer low payouts for jewelry and other valuables such as antique clocks. Such is the reason for getting adding special coverage for these items. You may also run into difficulty if you are not home when the loss occurs as some indemnity companies do not offer full payouts in such cases.

About Scheduled Personal Property

Some homeowners have possessions so great in value to the extent of a standard condo policy being unable to adequately provide recompense in the instance that they are stolen. Such individuals should consider what is called a Scheduled Personal Property plan, which pays for expensive items such as jewelry, masterpiece art, and musical instruments. There is no deductible attached to a Scheduled Personal Property plan. You will, however, need to discuss the possibility of investing in such an add-on with your agent.

There is nothing pleasurable about coming home to your Miami Beach, FL condo only to find that a stranger has ransacked your residence. Assure-Us can help you maintain financial stability in such instance by providing an indemnity plan that works best for your situation. Call today for a quote!

Our Insurance Partners

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