It is important that you have the right insurance to protect your condominium unit. There are many insurance companies that can protect your property. Here are the best condo insurers. Liberty Mutual, USAA and Country Financial are just a few of them. These companies have various benefits and features that will suit your needs.
Country Financial
You should think about what you value most when looking for condo insurance. Consider whether the insurer provides renters' or medical insurance. You should also consider the cost of your insurance premium, which is not as simple as home insurance. To get the best coverage, you need two policies: one that covers the basics, such as fire and lightning damage, and the other that covers more specific risks. A basic condo insurance policy is usually $328 per year. The Premier package will be about $30 per month and is another option.
Country Financial offers excellent customer service, in addition to providing high quality coverage. They have an online customer service center, and they provide 24-hour phone support. Their customer service representatives are always ready to answer your questions and solve any issues you may have. Country Financial also offers an iOS and Android app that lets you pay bills, report claims and more. The app can be used to view your policy.
Liberty Mutual
Liberty Mutual can be your best choice for condo and homeowner insurance. Liberty Mutual not only offers customizable policies but also provides insurance services that have been helping homeowners for over 100 year. This company offers affordable policies that can be used by both homeowners and investors. Whether you are looking for condo insurance for your new home or for your existing home, they have you covered.
Whether it's a fire, natural disaster, or a burglary, Liberty Mutual will handle your claim for you. They will send an adjuster out to assess the damage. They'll also help you schedule the repairs if necessary, up to your coverage limits.
HostAdvantage
You can purchase homeowners insurance that includes HostAdvantage at a lower price. However, it isn't a great choice for condo owners. HostAdvantage's insurance plan does not cover damage to rented condos. The coverage also doesn’t cover tenants or guests. HostAdvantage can be used as an addition to homeowner's insurance. However, many short-term renters would prefer to have separate insurance policies. There are many great options available to vacation rental homeowners.
Home-sharing policies are available starting at $50 per calendar year, with a limited amount coverage. Some policies offer personal property coverage of up to $10,000. But the amount of coverage varies based on the amount of personal property and the term of rental. Renters are covered by Allstate HostAdvantage insurance up to $10,000. These policies also provide protection against vandalism or theft.
Auto-Owners
Auto-Owners offers a range of insurance products including auto insurance. Customers can manage their policies and track their claims online. In addition, customers can make payments and print insurance ID cards. Bundling insurance policies are also available at a discount. Customers who pay their premium in advance can receive the best rates.
Auto-Owners offers lower rates than the average and many coverage types including personal property, dwelling, and other structures. Additional living expenses coverage helps homeowners to pay for hotels and rent accommodations while they rebuild their home.