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Other Miscellaneous Insurance Coverage

Condo Insurance

A condo policy is a form of homeowners insurance designed to meet the unique insurance needs of condominium and cooperative apartment owners. A condo policy covers the unit where the insured resides. A rented or leased condo may not always qualify for a condo insurance policy.

Unit owners are often responsible for their personal belongings and the interior of their structure, but this isn’t always true. You may also have an undivided interest with other unit owners in common areas of property. Review your unit agreement and bylaws and discuss your responsibilities with your agent to ensure your policy meets your needs.

Renters insurance

Flood Insurance

Typically, homeowners insurance policies do not cover damages resulting from flood waters. Flood insurance can be purchased as a separate policy to protect your property.

Flood policies have limitations, and it’s important to know they are not a comprehensive policy. Flood insurance can be purchased as an enhancement to your homeowners or commercial property policy.

Helpful Interactive Flood Insurance Tools

Understand the risk and financial burden caused by flooding.

Understand how the cost of flood insurance is determined and how you may be able to reduce your cost.

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Watercraft Insurance

Most watercraft policies provide coverage for liability, physical damage, and medical payments. Some policies offer additional coverage such as emergency service, life salvage coverage, coverage for repairs after a loss, coverage for emergency first aid and uninsured boaters coverage.

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Umbrella Insurance​

Personal umbrella policies provide coverage over the insured’s basic primary policies, such as the homeowners, personal auto, recreational vehicle and watercraft policies. Most umbrella policies require the insured to meet minimum limits of liability coverage on the underlying policies.
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Renters Insurance​

Renters insurance is for anyone renting an apartment, home, or condo. Similar to a homeowners policy, a renters policy protects against loss due to the destruction of personal property (other than the building) or personal liability due to your negligence or alleged negligence.

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Each policy is different, and limitations apply.

Meet Your Insurance Team

Adam Schaan
Adam Schaan, CPIA
Insurance Sales Agent
Alicia Lunski
Alicia Lunski, MBA, CIC
Personal Lines Sales Agent
Anita Johnson
Anita Johnson, CIC, CISR
Customer Service Manager
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