- 2600 Michelson Dr. Suite 1400 Irvine, CA 92612
- info@fnisc.com
- +1 800-745-5866
Own your condo unit? Insure it online.
What condominium unit owner's insurance covers
Weather damage
Lightning, wind or hail, freezing of a plumbing system, weight of ice, snow or sleet
Non-weather damageFire, theft, vandalism, riots, explosion, smoke, aircraft and vehicles
Other causesAbrupt and accidental discharge of water from plumbing system, tearing/bulging of heating or cooling systems, artificially generated electrical current
Fax: 800.753.0569
Know the value of your belongings.
Property Values
Adding up the worth of computers, electronics, appliances, jewelry, clothes, furniture, maybe even
something particularly valuable like an engagement ring, art collection or musical instrument can help you determine how much condominium unit owners insurance coverage you need.
Some interior features of your unit, such as cabinets, countertops, carpet, doors, drywall and other portions of the unit may not be covered by your master policy.
Understanding Replacement Costs
One of the most important aspects of condominium unit owner’s insurance is the replacement cost for personal property. We offer two coverage options:
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- Limited replacement cost loss settlement: Pays for the cost to repair or replace your damaged property up to the limits of liability.
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- A depreciated loss settlement: Pays the cost to repair or replace damaged property minus the pre-loss depreciation up to the limits of liability.
Condo Insurance Savings
Bundling the purchase of your condo and auto policies isnât the only way you can save money. From home security devices to a claim-free history, weâve got options for discounts to help make insurance more affordable.
Policy coverage limitsLike all homeownerâs policies, condo unit owner policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). Whatâs on a typical âspecial limitsâ list?
- Money, bank notes, coins
- Business property
- Watercraft including trailers, furnishings, and equipment
- Trailers (other than boat trailers)
- Firearms (applies to theft only)
- Silverware and goldware (applies to theft only)
- Computers and data processing equipment used for business
- Rugs, tapestries (theft only)
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