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Coverage Options

As the owner of a condominium unit, your association鈥檚 insurance most likely covers the building, commonly owned property and liability for the association, but the rest is up to you. Condo insurance protects your personal belongings and any parts of your condo for which you are personally responsible if your property is stolen or damaged. Let Farm Bureau help protect the things that matter most.

Replacement Coverage

Rest assured, if the worst happens, your belongings can be replaced without depreciation being factored in (subject to policy limitations), even if the items have depreciated in value.

Actual Cash Value Coverage 

This coverage reimburses you for the depreciated value of the damaged items, which is not necessarily the cost of a replacement item.

Residential Equipment Breakdown Insurance

With a condo, you are often responsible for major appliances. If the power surges in your building, don鈥檛 get stuck paying to replace broken-down items out of pocket. This add-on coverage protects home systems not covered under your condo policy, like your furnace, air conditioner, hot water heater, appliances, stereos, TVs and computers. Coverage is surprisingly affordable - and worth every penny.

Condo insurance is not one-size-fits-all. Your local Farm Bureau agent can help you choose the right coverage and find discounts to save you money. Your agent can offer personalized service and support that algorithms and computer programs just can鈥檛.

It鈥檚 your future. Let鈥檚 protect it.^庐

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