{"id":54,"date":"2021-02-08T04:00:00","date_gmt":"2021-02-08T10:00:00","guid":{"rendered":"https:\/\/www.wichalonisagency.com\/blog\/?p=54"},"modified":"2021-02-03T16:59:06","modified_gmt":"2021-02-03T22:59:06","slug":"the-basics-of-condo-insurance","status":"publish","type":"post","link":"https:\/\/www.wichalonisagency.com\/blog\/the-basics-of-condo-insurance\/","title":{"rendered":"The Basics of Condo Insurance"},"content":{"rendered":"<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\">Condo insurance covers repairs of damage to the interior of your condo and replacement or repair of your personal contents that have been stolen or damaged by fire or vandals. Before purchasing condo insurance it is important to first review what coverages you have available to you under your condo&rsquo;s homeowner&rsquo;s insurance policy (the master policy) so you do not obtain duplicate coverage. &nbsp;Master policy insurance usually only covers areas like the roof, walls and floors, and central heating units as well as the common spaces such as a meeting or exercise room in your condo community. Read on to learn more about the various condo coverages available to you through Wichalonis Insurance Agency in Cumming, GA.&nbsp; <\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\"><strong>Types of Condo Insurance Coverage<\/strong><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\"><strong>Condo Personal Liability Insurance Coverage<\/strong><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\">Personal Liability coverage covers accidental injuries to anyone visiting you in your condo when an accident is your fault. It covers medical expenses as well as any resultant legal expenses.<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\"><strong>Condo Guest Medical Coverage<\/strong><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\">Condo guest medical coverage covers medical expenses for someone visiting your condo even in the case that you are not at fault.<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\"><strong>Building Property Coverage<\/strong><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\">Building property coverage covers the expenses due to damage to the walls, built-in bookcases, and other fixtures (integrated appliances) within your condo.<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\"><strong>Personal Property Coverage <\/strong><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\">Personal property coverage covers damaged or stolen personal property including clothing, furniture, appliances, and electronic devices.<\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\">This type of coverage can either reimburse the actual cash value on a depreciated basis or can reimburse the replacement cost value.<\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\">Most personal property loss policies have a maximum coverage amount as well as a deductible.<\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\"><strong>Summary<\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:&quot;Calibri&quot;,sans-serif\">Call us today or visit us online for a free condo insurance quote. The Wichalonis Insurance Agency serves the Cumming, GA and surrounding Forsyth, Georgia area.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Condo insurance covers repairs of damage to the interior of your condo and replacement or repair of your personal contents that have been stolen or damaged by fire or vandals. Before purchasing condo insurance it is important to first review what coverages you have available to you under your condo&rsquo;s homeowner&rsquo;s insurance policy (the master [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[12,13],"class_list":["post-54","post","type-post","status-publish","format-standard","hentry","category-condo-insurance","tag-cumming-ga","tag-wichalonis-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.wichalonisagency.com\/blog\/the-basics-of-condo-insurance\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta 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13:33:48","updated":"2025-06-04 12:10:56","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.wichalonisagency.com\/blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.wichalonisagency.com\/blog\/category\/condo-insurance\/\" title=\"Condo Insurance\">Condo Insurance<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tThe Basics of Condo Insurance\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.wichalonisagency.com\/blog"},{"label":"Condo Insurance","link":"https:\/\/www.wichalonisagency.com\/blog\/category\/condo-insurance\/"},{"label":"The Basics of Condo 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