Condo Insurance in Stuart, FL

Condo Insurance:
Coverage Fundamentals

If you live in a condo in Stuart, your Condo Association probably provides some level of building insurance coverage. Typically, such coverage is limited to one of the following three types of policy:


  • Coverage for the complex’s primary building and common areas
  • Coverage for each building and for items within each unit considered being the property of the condominium complex

Condo Insurance Liability Coverage

Condo Association coverage also typically features a small level of personal liability coverage. For most occupants, however, this coverage won’t offer sufficient protection against every possible liability.

For example, if a guest suffers an injury or property damage while in your condo, association coverage may not be sufficient to cover the damages—especially if you get sued. Additionally, condo occupants themselves get no coverage at all for injury or property damage. That’s why coverage is so important. Let us help you with your Florida Condo insurance policy.

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What Does Condo Insurance Cover?

Know Your Condo Association Coverages

If you’re a condo owner, it’s crucial to know the types and amounts of coverages provided by your condo association. Understanding those coverages will help you make informed choices regarding condo insurance and the coverages you need to gain maximum protection.

Condo Insurance Protects Your Assets

For most people, buying a condo represents one of the largest investments they’ll ever make. You wouldn’t dream of carrying insufficient coverage on your house; sufficient condo coverage is just as important. Without it, you stand to lose almost everything in a disaster. Like solid home insurance, a comprehensive condo policy protects your assets, allowing you to more easily recover and get back to a normal life when disaster strikes. Don’t be caught off guard, get your Florida Condo Insurance today!

What Does Condo Insurance Cover?

With sufficient condo coverage, you can protect your condo from fires, wind and hailstorms, lightning strikes, theft, and other events not covered by association coverage. Let Sandsprit Insurance, your Florida condo insurance expert, get you the coverage you need.

What Are Condo Insurance Exclusions?

As with home insurance policies, condo insurance doesn’t cover specific peril types:

  • Floods
  • Earthquakes and mudslides
  • Settling
  • Natural deterioration and neglect
  • Birds, rodents, insects, and domesticated animals
Apartment or Condo in sunny area

Contact Sandsprit Insurance Agency for a
Free Condo Insurance Quote

If you’re shopping for condo insurance anywhere in Florida, we’d be thrilled to hear from you. As an independent Florida insurance agent, we offer free, comparative quotes on Condo Insurance from multiple insurance carriers, meaning you’ll get the best possible rate. Our ability to comparison shop on your behalf saves you lots of time, too!

If you’re ready to see how much we can save you on condo insurance, call Sandsprit Insurance today at (772) 781 1132! For a free online condo insurance quote, fill out the quote form on our contact page.

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