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(541) 998-2301 Junction City, OR

Affordable Condo Insurance in Willamette Valley, OR & WA

Condo Insurance – Protect Your Unit and Your Peace of Mind

As a condo owner, you’re responsible for more than just your personal belongings. While your condo association’s master policy may cover the building structure, it often doesn’t extend to your unit’s interior, improvements, or personal property. Condo Insurance from Housley Insurance & Financial Services ensures you’re protected where the master policy leaves off.

Why Do You Need Condo Insurance?

Condo Insurance bridges the gap between your association’s coverage and what you need as a unit owner. This coverage protects you from:

  • Interior Damage: Repairs for walls, floors, and fixtures inside your unit.
  • Personal Property Loss: Replaces belongings like furniture, electronics, and clothing after theft, fire, or water damage.
  • Liability Claims: Covers medical and legal expenses if someone is injured inside your condo.
  • Loss Assessment: Helps pay for shared expenses if your association charges you for damages to common areas.

What Does Condo Insurance Cover?

Interior Unit Coverage

Protects walls, floors, and fixtures within your condo unit.

Personal Property

Covers furniture, electronics, clothing, and other belongings against covered perils.

Liability Protection

Covers medical and legal costs if someone is injured inside your condo unit.

Who Needs Condo Insurance?

If you own a condo, condo insurance is essential. It’s ideal for:

  • Condo Unit Owners
  • Owners of Townhomes in Shared Communities
  • Investors Renting Out Condo Units

Why Choose Housley Insurance & Financial Services?

  • Customized Policies: Tailored coverage to fit your condo and lifestyle.
  • Affordable Rates: Competitive premiums with flexible options.
  • Comprehensive Protection: Coverage for unit interiors, personal property, liability, and loss assessments.
  • Expert Guidance: Knowledgeable agents to help you navigate condo association requirements.

Frequently Asked Questions

Q: What does my condo association’s master policy cover?

A: Typically, the master policy covers the building structure and common areas. However, it won’t cover your unit’s interior, personal property, or liability.

Q: Does condo insurance cover water damage?

A: Yes, condo insurance can cover sudden and accidental water damage. Flood coverage requires a separate policy.

Q: What is loss assessment coverage?

A: Loss assessment coverage helps pay for special assessments charged to condo owners for damages to shared areas.

Protect Your Condo Today

Don’t wait until it’s too late—protect your condo and belongings with Condo Insurance from Housley Insurance & Financial Services. Call us at 541-998-2301 or request a free quote online today!

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