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connecticut condo insurance

Like a deer paused in front of headlights, Connecticut condo owners can feel a bit indecisive in the face of those what if? scenarios, like burglary or property damage. Even though you hope nothing ever goes wrong in your home, it helps to know you have coverage waiting silently in the wings to help out in the case of trouble.

Though Esurance doesn't offer condo insurance in the Nutmeg State, you can secure affordable protection with our trusted partner company. After all, while you hope to never use your coverage, having it there makes all the difference.

do i need condo coverage?

Your homeowners association (HOA) policy doesn't pay for damages or stolen items in your condo. Here are a few instances in which having your own coverage could make all the difference.

Coverage in case of a burglary

If a thief breaks in while you're at work one day and makes off with your jewelry and other valuables, your HOA won't pay for anything except possibly a new lock on your front door. Fortunately, condo insurance pays to replace your stolen items.

Protection from property damage

Say a friend gets a bit too excited during a Huskies game and smashes your TV doing a halftime dance. Sadly, your HOA won't pay to replace damaged personal belongings in your condo. The good news is, your condo policy will.

coverage beyond your HOA

Your HOA is on the hook for certain types of damage done to the building, but you're typically expected to pay a portion of the repairs for damage to common areas (along with your fellow condo owners). In the event of a covered risk though, your condo insurance covers your share of repairs, so you're not stuck paying out of pocket.

potential savings in the nutmeg state

Though it depends on your condo insurer, you might be able to save on your condo policy by qualifying for a variety of discounts. For instance, if you bundle policies (like condo and car) with the same insurance company or if your condo is equipped with everyday home safety features like a smoke alarm or burglar alarm, you might save money on coverage.

Wonder if you could be saving on condo insurance?

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