Condo Insurance
Protect Your Condo and Peace of Mind
Safeguard Your Investment with Condo Insurance from UCCU Insurance Services
Your condo is more than just a living space – it’s your home, your sanctuary, and a significant investment. At UCCU Insurance Services, we understand that condo ownership comes with its own set of insurance needs. Our comprehensive condo insurance policies are designed to provide the protection you need, filling the gaps left by your condo association’s master policy.
Why Choose Condo Insurance from UCCU Insurance Services?
- Personalized coverage tailored to your specific condo needs
- Competitive rates to keep your protection affordable
- Free, no-obligation quotes
- Multi-policy discounts available
- Local agents who understand unique condo insurance requirements
Comprehensive Coverage Options
Our condo insurance policies can protect you from a wide range of perils, including:
- Personal property damage or loss
- Liability protection for injuries occurring in your unit
- Loss of use coverage if your condo becomes uninhabitable
- Water damage from internal sources
Customize Your Protection
Tailor your policy with additional coverage options:
- Personal liability protection
- Medical payments coverage
- Replacement cost coverage for personal property
- Loss assessment coverage
- Special personal property coverage for high-value items
Beyond Basic Condo Association Coverage
While your condo association’s master policy provides some protection, it often leaves significant gaps. Condo insurance from UCCU Insurance Services helps you:
- Cover your personal belongings against theft, damage, or loss
- Protect yourself from liability if someone is injured in your unit
- Pay for temporary housing if your condo becomes uninhabitable
- Cover improvements or upgrades you’ve made to your unit
We work with multiple top-rated insurance carriers to find you the best coverage at the most competitive prices. Our goal is to provide you with comprehensive protection that fits your budget and gives you peace of mind. With condo insurance, you can rest easy knowing your home and belongings are protected. Let us help you safeguard your condo, your possessions, and your future.
Let’s Drop Your Insurance Rates Today!
Request your free, no-obligation quote or contact a local UCCU Insurance Services representative to learn more about our extensive insurance options.
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(801) 223-7400
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Frequently Asked Questions
What does condo insurance cover, and how is it different from a condo association’s master policy?
Condo insurance, also known as HO-6 insurance, typically covers your personal property, liability, and the interior of your unit. It complements your condo association’s master policy, which usually covers the building’s exterior and common areas. Condo insurance protects your belongings, improvements you’ve made to your unit, and provides liability coverage if someone is injured in your home. It also offers loss of use coverage if your condo becomes uninhabitable. The exact coverage can vary, so it’s best to speak with a UCCU Insurance Services agent to understand your specific needs.
How much condo insurance do I need?
The amount of condo insurance you need depends on several factors, including the value of your personal property, the extent of your condo association’s master policy, and your personal risk tolerance. You should have enough coverage to replace all your belongings and cover any improvements you’ve made to your unit. It’s also important to have adequate liability coverage. Our insurance experts at UCCU Insurance Services can help you assess your needs and recommend appropriate coverage levels to ensure you’re fully protected.
How much does condo insurance cost?
The cost of condo plan can vary based on factors such as your location, the value of your personal property, your coverage limits, and your deductible. On average, condo plan premiums in Utah can range from $250 to $600 per year, but your specific rate may differ. At UCCU Insurance Services, we work with multiple insurers to find you competitive insurance rates tailored to your unique situation. We can also help you explore discounts that might lower your premium.
What is loss assessment coverage, and do I need it?
Loss assessment coverage is an important feature of condo insurance that protects you from having to pay out of pocket for certain assessments levied by your association. For example, if there’s damage to common areas that exceeds the association’s insurance coverage, they may assess each unit owner for a portion of the costs. Loss assessment coverage can help pay your share of these costs. The need for this coverage depends on your association’s policies and your personal risk tolerance. Our insurance agents can help you determine if this coverage is right for you.
Related Services
UCCU Insurance Services (UCCUIS) does not offer any proprietary products. We offer a range of products from respectable insurance companies. The products or services on this page are not NCUA insured, have no credit union guarantee, may lose value, are not insured by any federal agency, are not a bank deposit.
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