Renters and Condo Insurance

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let AD Larsen Insurance Services  help you find coverage options that protect you, your family, and your personal property.

Compressive Coverage for Renters

As a renter, you don’t have many responsibilities as a tenant. Just pay your rent and maintain your own space. The building owner is only required to carry insurance for the structure.  Everything inside the walls is your responsibility.   This means your furniture, electronics, appliances, jewelry and clothing are uninsured unless you purchase a renter’s policy.  Whether you live in a condo, apartment, house or duplex, a renter’s policy can protect you and your assets. 

Condo Insurance 

Condo Insurance provides protection where condo associations do not.  Condo coverage protects your possessions within your unit including furniture, appliances, kitchen and bath facilities and personal items.  If you plan on upgrading your unit, any improvements that you make would also be covered under this type of policy including wall units, renovations and wallpaper.

If you own your condo, you have different insurance needs than the typical homeowner.  Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building.

Protect Yourself and Your Guests

Your Renter or Condo insurance policy protects you and your family against bodily injury and property damage claims for which you are liable.  In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault.

Whether you’re starting out, between homes, or downsizing, we’ll help you pick the renters or Condo insurance coverage that best fits your needs.