Voted a Best Homeowners Insurance Agency in Spokane, WA 2024 by Expertise.com
If you’re looking for condo insurance coverage in Spokane, WA or surrounding areas, you’ve come to the right place! As experts in the insurance industry, our independent insurance agents provide top notch insurance services for condo owners in Washington state.
Securing condo insurance in Washington can feel confusing since it generally falls somewhere in-between purchasing homeowners and renters insurance. Plus, each condo has it’s own unique master insurance policy! So what should your personal condo insurance policy cover? Our insurance agents are here to answer your questions and walk you through every step of the way on your condo insurance journey.
Common Questions: Condo Insurance in Spokane, WA
What is my Homeowners Association (HOA) Covering?
Your Homeowners Association within your condominium unit will have their own master insurance policy. This master insurance policy is generally an “all-in” insurance policy or “walls-in” insurance policy. Knowing the difference is essential to getting the insurance you need. An “all-in” insurance policy covers condo features provided to you with your Washington condo property, but nothing you own. This can include attached appliances, wiring, plumbing and carpet. A “walls-in” insurance policy does not cover anything within your walls. It generally only covers the condo building and outdoor features. We can take a look at this master policy and can even get in touch with your HOA to go over specific details. These steps ensure you are properly protected and following all the requirements set in place.
What is my Homeowners Association (HOA) Requiring me to Cover?
Within your HOA Condominium or Mortgage contract, they may require you to purchase condo insurance coverage with specific requirements. Our independent insurance agents can review your contract and ensure you are being covered for everything that’s required of you. We can also help you decide what you’d like to cover among your personal belongings, in the event there is a fire or burglary.
Besides what I am Required to Cover in my Policy, What Should I Cover for Myself?
Generally, a good rule of thumb is to insure 20% of the appraised value of your Washington condo. Your HOA’s master condo insurance policy does play a role in how much dwelling coverage you should purchase. That’s where we step in to evaluate where you are protected and where you are vulnerable.
Condo Insurance Coverage in Spokane, WA · We are your Partner in Coverage
As your partner in coverage, we provide support, care and advocacy when you need it most. We ensure you are protected and treated fairly by your insurance carrier. If you need to file a condo claim, we’ll walk you through the process and guide you every step of the way.
Get your free Washington Condo Insurance Quote
If you’re looking for a free condo insurance quote, we’ve got you covered. Let us help you shop around with 30+ different insurance carriers and tailor a policy specifically for you. As your partner in coverage, we ensure we understand your unique needs, budget and concerns. Get in touch today at 509-928-7528 or fill out the form. We’ll be in touch with you soon!
