Harrison Insurance and Financials, Ltd

101 E Bullion St, 2A
Hailey, ID 83333

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Do You Need Condo Insurance in Idaho

If you own a condo in Idaho, you are required to have an insurance policy, referred to as an HO6 policy. This insurance policy covers several things, and you can opt for more coverage if you so choose.

The HO6 insurance requirement was put in place after the most recent housing crisis to replace or repair items that are lost due to a disaster that is not covered under the condo owner’s association master policy. Before creating your policy with your insurance agent, you will want to check with your condo association to determine what their policy covers, so you will know and understand what you will be responsible for covering. This policy also complies with the rules of many lenders and mortgage companies in Idaho to protect their investment in your condominium. It satisfies their need for proof of insurance from you.

You can also obtain additional coverage that is pretty common to ensure your complete peace of mind when it comes to your beautiful condo. You can purchase a policy that covers theft and vandalism to your condo and personal belongings also. If your condo is located in an area that is prone to flooding, you can also add that type of coverage to your condo insurance policy. An umbrella policy can also be added; which will protect you in the event you are sued for injuries sustained by a guest to your condo or if you are accused of slander or libel.

To create and obtain the very best policy for you and your situation, you will want to enlist the assistance of an insurance agent who is experienced with condo insurance. The condo insurance agents at Harrison Insurance and Financials LTD in Hailey, ID have the experience and skills needed to create a condo insurance policy for you today!

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