Quality protection for your place
You may not need to mow the lawn or shovel the walkway, but it’s still important to protect your condo or townhouse with insurance. Get dependable coverage for your belongings and yourself with Flowers condo insurance. Once you know what your condo association covers and requires, a local agent can help guide you through the rest.
Discover What An Agent Can Do For You
Insurance for your townhome or condo can be tricky to navigate since condo associations vary so much. With a Flowers Insurance policy, you get a dedicated, local agent who can help you make informed choices along the way. Your agent can help you:
- Understand what your policy covers and answer your questions
- Find discounts to save you money on your premium
- Get answers about the claims process, before or after you file one
- Explore practical tools and maintenance tips for your condo or townhouse
Why Do You Need Condo Insurance?
While a condo association is typically responsible for maintaining and insuring the building’s exterior and shared spaces, such as hallways and common rooms, condo insurance is designed to help you protect your unit and personal belongings. Most lenders require a condo insurance policy to qualify for a mortgage, and may specifically refer to “walls-in” or HO-6 insurance to cover interior walls and other fixtures within your condo unit. It’s important to review your policy and bylaws to meet any association or lender insurance requirements and to prevent potential gaps in coverage.
- Prevent potential gaps in coverage
- Personal Property Coverage may help pay to repair or replace your personal items, such as electronics, appliances, clothes and furniture, if they are stolen or damaged by a covered peril
- Building Property Protection provides protection for real property within your unit that you exclusively own and is your insurance responsibility per your condo association bylaws
- Liability Coverage may help with related costs if you are liable for injury to another person or damage to their property