Condo Insurance in Pennsylvania
Most condo associations in Pennsylvania are required by law to have insurance. But you, too, as the owner of a condo need to have a separate policy to cover whatever your association's master policy doesn't provide protection for. This kind of insurance is classified as a HO-6 policy. If your condo association has insurance, it probably covers the grounds all the members use, the outside of the condo building and general liability for the association.
To effectively protect your purchase when talking about condo insurance with our agents at Patrick McNealis Insurance and Financial Group in Emmaus, PA (or Bethlehem, PA or Nazareth, PA) you have to know what your association's policy covers. Then we can tailor a policy to your needs. Most policies for owners have coverage for personal belongings like furniture and clothing. Another likely coverage is for perils such as lightning, fire, and wind. Other areas for discussion are coverage for water damage and expensive items such as jewelry, art or collectibles.
It's not wise for you as a condo owner to be without coverage because many condo associations have policies that have high deductibles before a claim will be addressed. Many mortgage lenders require condo owners to have insurance. Our agents want to discuss with you the items that you value most and the loss of which will cause disappointment in your life. To help as many prospective clients as we can, we also have two other offices. We are ready to discuss a new condo insurance policy in Pennsylvania with you. Visit or call us at Emmaus, PA, Bethlehem, PA or Nazareth, PA office today for a no-obligation quote. Though you never know what life can throw at you, having insurance can help you get through it better.