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Kimberly J Brennan Agency

83 Haviland Dr, Suite 3
Patterson, NY 12563

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Featured Insurance Blog

Category: Condo Insurance

Does Condo Insurance Cover a Condo-Based Business?

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Thanks to the internet, nearly any New York resident can run a business from their condo. You can become a blogger or marketer, sell handmade items, offer online classes, and more. However, working from your condo doesn’t mean you can skip business insurance. Having the right policies to protect your venture can make the difference between long-term success and an unexpected closure.

What About Condo Insurance?

Condo insurance is designed to protect your personal belongings and provide compensation if you need to move out of your condo after a covered incident temporarily. However, it won’t cover any of your business assets or provide business interruption insurance. Condo insurance also doesn’t offer compensation for business-related liability claims for incidents that occur in your condo.

Even more importantly, condo insurance won’t provide liability coverage for your business in the event of a lawsuit. Every business should have a reliable liability insurance policy that covers claims related to product liability, marketing liability, bodily injury, and property damage. Cyber insurance is another valuable form of coverage to consider, especially if your business processes clients’ personal or financial information.

Call Kimberly J Brennan Agency in Patterson, NY for More Information

Your commercial insurance needs will vary depending on your business setup and industry. However, the Kimberly J Brennan Agency is well-equipped to handle any commercial coverage requirements you may have. We specialize in serving entrepreneurs and small business owners in and around Patterson, NY, and can provide you with multiple policy options along with personalized advice on choosing a stand-alone policy or bundle. Contact us today for more information or to request price quotes.

Condo Insurance for First-Time Owners

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Kimberly J Brennan Agency serves Patterson, NY, and the surrounding area and can help you pick out the condo insurance that meets your needs. Whether you live in New York or are a first-time condo buyer, we’re here to help you understand this protection type.

What It Covers

Your policy will cover everything in the condo that you own but not the actual building itself. Instead, it will cover personal belongings like furniture, clothes, bicycles, electronics, tools, and even things stored in your shed. Jewelry, art, computers, and memorabilia are also covered.

Even better, you get protection for some personal liability issues, loss of use if there’s any reason you can’t temporarily live there (such as damage) and medical payments for people injured in your home. This coverage is essential if you ever plan on hosting individuals for extended periods, especially anyone outside your family.

What It Doesn’t

First, it’s essential to know that your association has its own insurance that covers the physical structure of the condo, the common areas, and some original items inside (if they’re original). Nothing in your condo is covered, which is why you need your own policy.

You can also add optional coverage types to expand policies, such as water backup protection, personal injury protection, and extra flood protection. Most natural disasters are not immediately covered and require you to buy extra policy types to ensure you are fully safe from danger.

Finding Protection

Kimberly J Brennan Agency can help Patterson, NY, residents get coverage that meets New York state law. We’ll protect your condo and ensure you’re comfortable leaving it when you’re off from your vacation or living there full-time. Call us right away to learn more about your choices.

How Does Condo Insurance Cover Me?

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Like houses and rental units, insurance is available for condominiums as well. For condo owners, there are many options to protect their property. At the Kimberly J Brennan Agency, we strive to work with condo owners in Patterson, NY so that they get the insurance coverage that they deserve. 

What Does Condo Insurance Cover?

Homeowners association policies often cover a condo’s exterior, so you are responsible for the inside of your home. Condo insurance insures the interior of your condominium and your personal property and protects you from liabilities. This coverage includes: 

Interior Coverage

Protects the interior structure of your condo. This includes your walls, ceilings, and floors. It also includes any built-in appliances and fixtures.

Personal Property

Insures your personal belongings from theft or damage. This includes items like your furniture, clothing, and other possessions.

Loss of Use

In cases of covered loss events, like water damage or a fire, condo insurance will help you with unexpected costs like temporary accommodation costs or other expenses. 

It is important to note that some events like earthquakes are typically not covered. It’s important to review the specific details of your condo insurance policy, as coverage can vary between insurance providers. 

Do I need Condo Insurance?

Condo insurance is not a requirement in New York, but it is highly recommended for many reasons. Having this insurance would protect your personal belongings and ensure that anyone injured on your property has their medical expenses covered. Additionally, some condo or homeowner’s associations may include specific clauses that are required for membership.

If you live in Patterson, NY, contact the Kimberly J Brennan Agency to purchase condo insurance today. You don’t have to live without condo coverage anymore.

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