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Tom Ruggirello Insurance:
The Name to Remember for Quality Port St Lucie, Palm Beach & Fort Pierce Condo Insurance

Condominium Insurance: Coverage Basics

If you live in a condo near Fort Pierce, Palm Beach, Port St. Lucie or anywhere off the Atlantic coast of Florida, your Condo Association probably provides some level of rudimentary insurance coverage. Typically, such coverage is limited to one of the following three types of coverage policies:

  • Coverage for the complex’s primary building and common areas;

  • Coverage for each building and for items within each unit considered to be a part of the property belonging to the condominium complex;

  • Coverage for each building, each individual unit, and for any fixtures or improvements to the unit made by the occupant.

Modern Apartment Block

Condominium Insurance Liability Coverage

Condo Association coverage also typically features a small level of personal liability coverage. For most occupants in and around the Fort Pierce area, 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.

Know Your Condo Association Coverages

If you’re a condo owner Fort Pierce, Palm Beach, or Port St Lucie,  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 condominium represents one of the largest investments they’ll ever make or it could even be an essential part of their retirement plan. You wouldn’t dream of carrying insufficient coverage for your Florida home, so why would you risk losing everything you laboured so diligently to acquire by not carrying the proper condo insurance from Tom Rugerillo Insurance? Insufficient coverage for your condominium near Fort Pierce, Palm Beach or Port St Lucie condo coverage is just as important. Without it, you stand to lose almost everything in any of the many disasters that are known to take place along the Atlantic Coast. Like solid home insurance, a comprehensive condominium policy protects your assets, allowing you to more-easily recover and get back to a normal life when disaster strikes. Tom Ruggirello's Condominium Insurance will take the risk out of living in a Treasure Coast condo, with expert insurance agents, affordable prices and tailored coverage, we've got the coverage and peace of mind you need.


What Does Condo Insurance Cover?

Condominium Insurance can be difficult to comprehend for some but helping you decipher what coverage types you need is one of the reasons Tom Ruggirello Insurance is one of Florida's leading independent insurance agencies. Sufficient condominium coverage can protect your condo from fires, wind and hailstorms, lightning strikes, theft, and other events not covered by association coverage.

What Are Condo Insurance Exclusions?

As with home insurance policies, condo insurance doesn’t cover every single disaster, some of these specific peril types include:

  • Floods

  • Earthquakes and mudslides

  • Settling

  • Natural deterioration and neglect

  • Birds, rodents, insects, and domesticated animals

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Multi-Policy Condo Insurance Discounts

If you purchase condo insurance through a Tom Ruggirello Insurance carrier in Fort Pierce, Palm Beach, Port St. Lucie or anywhere off the Atlantic coast you may be eligible for discounts if you’re an existing Tom Ruggirello policyholder. Whether you’re an existing customer with our agency or not, ask about multi-policy discounts when you bundle condo insurance with other policies.

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