We “shop the market to find you the best insurance value
We work for you, not the insurance companies.
We custom tailor a plan to fit your lifestyle and budget
We advise you on the best coverage to fit your needs at the best value.
We insure ALL property owners
Prior claims, bad credit… we specialize in hard to place risks
Most common Denver Condo Insurance questions from our clients
My HOA requires that my policy include “loss assessment” coverage… what is it?
Several years of extreme hail damage in Colorado has necessitated the companies to establish separate large wind/hail property deductibles. In larger condo complexes, deductibles from hailstorms can be well in excess of $100,000. If the HOA general fund is insufficient the HOA will require the condo unit owners to file a claim on their policy under “loss assessment” to cover the shortage.
Does a condo policy cover water damage?
Optional water/sewer backup and sump overflow coverage can be purchased. This coverage doesn’t apply if the loss is flood induced.
Will my policy cover a guest injured from a fall on ice in the parking lot?
NO, your HOA policy will cover for injuries sustained in the common areas. Condo Insurance Liability will provide coverage if a guest is injured in your unit.
