CONDOMINIUM INSURANCE

Do you own a Condominium? You may need Condominium Insurance.

Your ownership of a personal condominium unit presents you with a very different insurance need. Hometown Insurance Center knows it is important as a condominium owner to understand where the line is drawn in terms of your ownership and the association ownership. This information should be outlined in the condo association’s by-laws. For insurance purposes, your condominium insurance policy will only cover the parts of the unit owned by you as outlined in these by-laws.

We at Hometown Insurance Center understand the major difference between a condominium policy and Homeowner policy is the way in which Coverage A or Dwelling Coverage is assessed. This figure represents the part of the structure that you own and are responsible to insure, as specified in the condominium by-laws. In most cases, the condominium owner would own the unit from the studs in, so this coverage would include walls, ceilings, floors and all permanent structures attached (cabinets, countertops, shelving etc). Coverage B through E is similar to the Homeowner policy.

Call Hometown Insurance Center today if you own a Condominium. We’ll take the guesswork out of your condominium insurance needs.

Are you paying too much for your auto insurance?

If you feel you may be paying too much for your auto insurance, we strongly urge you call us immediately. With one p... More

Is your home fully protected if we have another winter like last year?’ If you can’t answer this with a YES immediately call us.

We all hope that we do not have to experience another winter in which we have to dig ourselves out of 5 feet of snow, ... More

Is your drivers license expired? Remember the RMV will not send a reminder notice to renew!

In an effort to reduce cost, the MA RMV will no longer mail out reminder notices when your drivers license is about to... More