Evans, Pires & Leonard offers Condominium insurance to residents throughout the counties of Hartford, Tolland, Middlesex, Windham, and New Haven. Condominium insurance is similar in many ways to a homeowners insurance policy. It can insure your personal property, such as clothing, furniture and other possessions, and may pay for emergency expenses if your unit were rendered unusable due to severe damage from a covered cause of loss.

You’re also protected for claims against you for bodily injury or property damage, including legal defenses. What’s more, we can provide coverage for loss-assessments on unit holders in cases where the condo association is found liable for an injury claim that exceeds the master policy’s limit of liability payment.

Many think because the condominium association holds a master insurance policy, they don’t need to get coverage. But the association policy typically covers common areas and the walls of your unit. Some policies may include coverage for your floors, ceilings and installed appliances, but they usually won’t cover improvements you make – such as window coverings or expensive kitchen and bath upgrades. Your personal belongings and your liability for injuries to others are also not covered under the association’s policy. That’s why condominium insurance is needed.