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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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What To Consider When Choosing Condo Insurance

As a condo unit owner, you should understand that you do not own the building where your condo unit is located. It is crucial to understand this when shopping for condo insurance. Yes, there is a master policy that is carried by your homeowner’s association. However, it protects only the building itself and common areas, while your condo and all personal belongings inside it are not covered. To protect them, you are supposed to carry condo insurance. It may be hard to pick the right policy. To help you, Deluxe Insurance Group, serving Duluth, MN, and other surrounding areas, have prepared a list of things to consider when choosing condo insurance: 

  • The sufficient amount of coverage. It is important to make sure that you have enough coverage. Often, many condo owners make the same mistake – they do not have the coverage for the events that may occur in the area where their condo is located. Before buying a certain condo insurance policy, make sure you discuss all the options available with an insurance agent. 
  • The terms of the policy. Review the master policy carried by your homeowner’s association and discuss it with an insurance agent to choose the right policy for your condo. 
  • The right deductible. The lower deductible you choose, the more you will have to pay for your insurance. To choose the right deductible, evaluate your current financial status and the budget first.

If you are currently shopping for condo insurance and looking for a reliable insurance company in Duluth, MN, or any other surrounding area, Deluxe Insurance Group is ready to help you. Do not hesitate to give us a call to talk to one of our experienced and knowledgeable insurance agents.

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