Jonathan Roberts Insurance Agency

Based in Canton, GA

What does condo insurance actually cover?

When you are ready to insure your condo, Johnathan Roberts Insurance Agency in Georgia, serving Southeast US residents, is here for you. We are an independent insurance agency, which means we work for you, and we will make sure that you get the right coverage for your particular condo. 

Condo Insurance Basics

Building coverage

Building coverage for a condo is slightly different from a freestanding home. The condo association has a master policy that covers the parts of the building that it owns. That includes the roof and exterior of the building as well as things like a porch or a deck and any common areas. How far into your unit it covers and what exactly it covers is important to know before you get your own condo insurance. 

Content coverage

Content coverage covers the things that you bring into the unit. This is your clothing, furniture, decor, electronics, and everything you use to cook and store things. You have two options for the type of content coverage you have; current value and replacement cost. The current value is what it’s worth with depreciation and replacement cost is what it would cost to buy that item today. 

Liability coverage

The condo association covers the common areas and parking lot, but you are responsible for any injuries inside your unit or injury caused by a member of your family. 

Loss of use coverage

What would you do, and where would you go if your condo was damaged so badly that it is not habitable?  How would you pay for it? If you have condo insurance, you will be able to go to a hotel for a short stay and, for a longer one, a rental. 

Give Us a Call

Contact Johnathan Roberts Insurance Agency in Georgia when you want to discuss your condo insurance needs. We happily serve the community in Southeast US.

Our Partners
  • Grange
  • Hagerty
  • Hiscox
  • Progressive
  • Travelers
  • USLI