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4515 E Superior St
Duluth, MN 55804

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Here’s Why Liability Coverage Is Important For Condo Owners

Here’s Why Liability Coverage Is Important For Condo Owners

If you own or are planning to purchase a condo, you’ll want to take out a condo insurance policy, which will protect you from damage and will provide funds to cover repair costs. If your condo is damaged in a fire or by a burst pipe, for example, your condo insurance plan may reimburse you and pay for the repair costs.

Many condo insurance plans also cover various liabilities should you find yourself facing a lawsuit in civil court. If someone is injured in your condominium unit, for example, you could be on the hook for expensive medical bills. You may also have to hire a lawyer to represent you in court.

That said, with condo liability insurance, your insurance provider may pay the medical bills, and if necessary, a lawyer to represent you and your insurer in court.

Contract the Deluxe Insurance Group (Duluth), serving greater Duluth MN, to learn more.

Condo Owners May Be Liable For Many Different Things

Let’s say you invite a friend over, and he trips on the rug in your living room. He fell and broke his arm. You call an ambulance and your friend is taken to the hospital where doctors run tests, set the bone and make a caste, and perform other things.

Your friend might be facing hefty medical bills. He could also try to sue you to recover the costs associated with treatment and also lost income.

If you don’t have condo liability insurance, you may personally be responsible for these bills. Don’t have the money on hand to cover the bills? The government could seize your assets or garnish your wages.

If you have condo liability insurance, however, your insurance provider instead may cover the medical bills and other costs. Besides slip and falls, liability insurance may cover damage and medical bills associated with dog bites and other accidents within your condo unit.

Condo liability insurance may also cover damage that you cause outside of your condo. Let’s say you visit a neighbor and while there, you accidentally knock over and destroy her expensive television. Your insurance provider may pay to replace the TV.

Liability insurance can be difficult to understand. Have questions? Contact the Deluxe Insurance Group (Duluth), which serves the greater Duluth, MN area.

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