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High Favor Insurance

199 Pierce St, Suite 202
Birmingham, MI 48009

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Condo Insurance in Michigan


What You Need to Know about Condo Insurance in Michigan?

While condo insurance may not be required in the state, mortgage companies may require you to have condo insurance. The most important thing about getting condo insurance is figuring out what the master association policy covers. The master policy will show which parts of the complex have insurance through the master association and which ones don’t. This will help you decide how much coverage you need to purchase. An agent at High Favor Insurance in Birmingham, MI can help you go through your master policy in order to get the right amount of coverage.

Two things can affect coverage. Since the condo insurance will typically have coverage for the commonly shared buildings and common areas, there will also be a deductible. If the complex needs a lot of work, then they will need to submit a claim to be covered for the loss. If there is a deductible on the master policy, then it will be charged against all the owners. Your condo insurance can cover part of this assessment. Knowing the bylaws for your community will help you understand the maximum amount that you can be assessed. Owners will also be responsible for covering everything within the walls of their unit. The master insurance policy will include common areas, such as building exteriors, play areas, and hallways.

What Is Covered under Your Condo Insurance in Michigan?

Condo insurance will help protect your belongings against covered perils, such as vandalism or fire. It will also provide protection if you are unable to live in your condo due to a loss. The policy will provide medical payments to others for accidents that occur at your property. It will also protect you in the event of a lawsuit due to a liability claim for property damage or injury to another person.

Contact High Favor Insurance, serving Birmingham, MI, to get a quote on condo insurance.

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