Condominium Homeowners Insurance

California Insurance Specialists provides competitive insurance for your valued assets by representing many top-ranked National and Regional insurance companies, which allows us to obtain the best price and policy to meet your individual needs. Just take a moment to complete the "CONDOMINIUM QUICK QUOTE" request form. You will immediately receive a personalized standard CONDOMINIUM HOMEOWNERS QUOTE to compare rates and coverages with your present carrier.

Condominium Homeowners Quote Request

Helpful questions and guidelines to consider before you complete the form:

A condominium building is usually common property owned by all the residents, and most Associations probably insure, through a Master Policy, the building against certain losses and also liability claims arising out of the common area. HOWEVER, IN MOST CASES THE MASTER POLICY DOES NOT COVER YOU FOR LOSSES TO YOUR PERSONAL BELONGINGS AND PERSONAL LIABILITY CLAIMS.

  1. How much contents coverage do I need?

    Generally most homeowner policies set coverage for contents at least 50% of the replacement value of your home. However, it's a good idea just to walk through each room of your house, (don't forget the office, basement, and garage) and make a rough estimate of the replacement cost of your personal property. You may be surprised at the value of what you have accumulated over the years.


  2. What about special items like jewelry, antiques, collectibles, furs, and antiques?

    These items should be insured for replacement amount over the standard policy limits (usually $500 to $1000). You can schedule these items by asking us to add them by endorsement to your policy. An appraisal, or receipt, not more than 3 years old will be required to verify value and description. You can request this endorsement in the comments section.


  3. What is loss assessment coverage?

    Provides coverage up to the limit purchased for assessments to each condo owner by their association to pay for a direct loss to the property owned by all unit owners collectively.


  4. What are additions and alterations?

    Provides for an additional amount of coverage for direct loss to appliances, pictures, additions, installations, alterations, and improvements which are part of the building contained within your condominium unit.

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