Condo Insurance

Fortune offers condominium insurance to ensure that your condo and investments are covered. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations, and improvements you make to your unit that are your responsibility based on the condo association agreement.  

Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. Fortune condo insurance allows you to be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let Fortune Insurance help you find the right amount of coverage to suit your insurance needs in Missouri and Illinois. Call us today at 636-464-1331.

Full Value Personal Property Coverage

Condo insurance provides coverage for your personal property and much more. You can elect to carry full value personal property, which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.

If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your Home Owner Association (HOA) agreement to determine what the association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.

Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. Fortune can help you determine your insurance coverage needs to make sure you’re properly covered.

Protect yourself and your guests

Your condo insurance policy protects you and your family members against bodily injury and property damage liability claims, and any litigation that may result, subject to the limits you select. In addition, you can select medical payment coverage, which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault.

Extra Coverage doesn’t have to cost a lot

If you have special valuable items such as jewelry, art, antiques, or collectibles, ask about our valuable articles option, which provides broader coverage and no deductible in the event of a covered loss.

Find unique insurance that is right for your condo

Contact Fortune to identify the best combination of coverage, value, and price for you. We can help make sure your condo insurance continually meets your needs. Call us at 636-464-1331.

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