Condo Insurance | Clark Riley Insurance

Condo Insurance in Lubbock, Abernathy, and Surrounding Areas

Condo Insurance: Coverage Fundamentals

If you live in a condo in Lubbock, Abernathy, Levelland, Plainview, Brownfield, Hereford, Lamesa, or any city in Texas, your Condo Association probably provides some level of rudimentary 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 to be property of the condominium complex
Coverage for each building, each individual unit, and for any fixtures or improvements to the unit made by the occupant

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 Lubbock Condo insurance policy.

Know Your Condo Association Coverages

If you’re a condo owner, it’s crucial to know the types and amounts of courtesy coverages provided by your condo association. Understanding those built-in 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, and 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 you Lubbock 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 Clark Riley Insurance, your Abernathy Condo Insurance expert, get you the coverage you need.

Multi-Policy Condo Insurance Discounts

If you purchase condo insurance through a Clark Riley Insurance carrier, you may be eligible for discounts if you’re an existing Clark Riley policyholder. Whether you’re an existing customer with us or not, ask about multi-policy discounts when you bundle condo insurance with other policies.

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

Contact Clark Riley Insurance for a Free Condo Insurance Quote

If you’re shopping for condo insurance anywhere in Texas, we’d be thrilled to hear from you. As an independent Texas insurance agent, we offer free, comparative quotes on Condo Insurance from multiple insurance carriers, meaning you’ll get the best possible rate.

If you’re ready to see how much we can save you on condo insurance, call Clark Riley Insurance today at (806) 298-2591! For a free online condo insurance quote, fill out our online quote form!