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If you live in a house, the entire structure falls under your policy. If you rent, the building is covered by the owner’s policy and you, the tenant is left to protect only the inner contents and your own belongings.
With condo insurance, if there is damage to the inside structure of the unit itself it is considered the liability of the tenant/owner. If your condo is run by a condominium association which is filed under the Florida Condominium Statute, condo owners are responsible for insuring a portion of their home on their own.
As a condominium owner, you are responsible for insurance on interior items excluded under the association’s master policy, as well as all personal property within the unit or limited common elements, which is the responsibility of the unit owner.
Determine how much coverage you need. Your Centennial Insurance Services representative is happy to help you estimate.
Ask other owners how much they’ve paid for upgrades like new flooring, countertops, and cabinetry. Then go from there. If something happens like a fire, you want to make sure you’ll be able to replace things like the floor and the walls, if you need to.
Before committing to a policy, it is a great idea to find out what the master insurance plan covers for your building complex. Under Florida Statute, the condominium association insures the original structure of the building but excludes the wall, floor, and ceiling coverings; electrical fixtures; appliances; water heaters and filters; cabinets; countertops and window treatments. Items must be similar to ones that were originally installed or replaced with like kind and quality, in accordance with the original plans and specifications of the unit.
Centennial Insurance Services offers condo insurance at a great rate. If you’re looking for a quick and easy quote, our independent agency can provide you with one in 24 hours. We have offices in Southwest and Northeast Florida and specialize in all of your Florida insurance needs.
At Centennial Insurance Services, we make this process easy. We will analyze your insurance concerns, and offer the best insurance policy options available. Please contact our office at 239-247-5125 for more information or to speak to one of our agents today. www.cisinsfl.com.
I have found Chris to be extremely knowledgeable on Community Association insurance requirements and he has successfully presented proposals that provided better coverage and lower premium than the incumbent agency. His active involvement in assessing the Insurance needs of Communities managed by this firm has been an asset for both Moore Property Management and the purchasers of the insurance.
Chris Boston is our agent at Centennial. He does excellent work and always strives to save our association money. He always responds to emails. I highly recommend Chris and Centennial.
Chris Boston is Your Agent! I own a small condo development on Manasota Key and had been with the local insurance company for 14 years. This is my second year with Chris. He works very hard to get the best and lowest cost policies and is always responsive. I have saved substantially because he took the time to get to know the property and cost savings that were available. It’s all about customer service!
Its nice to have your expectations in a business not only met but exceeded! Centennial Insurance provided us with professional, friendly & effective service.