Condominium Insurance
Universal fills the gap for condominium unit owners.
Most condo unit owners have some insurance protection under their condominium association's policy. But that coverage typically extends only to common areas, leaving individual condos and their valued contents uninsured. That's a significant gap in coverage - one that can only be filled by having reliable, sufficient protection.
Universal North America's condo owner's policy offers serious protection, including:
Dwelling: Universal covers the cost to replace or repair structural elements within the condominium that belong to the unit owner. Also covered are fixtures such as the kitchen sink and bathtub, as well as alterations which include added walls that provide separation between rooms or built-in shelves.
Personal Liability Insurance: We cover claims for property damage or bodily injury for which the condo unit owner is legally responsible.
Personal Property and Valuables: We offer the replacement value for personal belongings such as clothing, furniture, appliances, jewelry, furs and heirlooms up to policy limits.
Medical Payments: We take care of medical expenses for anyone outside the household who is injured while visiting.
Loss of Use: We pay for any costs above normal living expenses if damage prohibits the family from living in their condominium.
Loss Assessment: We cover costs levied by a condominium association in the event of loss caused by a covered peril.
Solid coverage under Universal's standard policies
Whether you own or rent, you can depend on Universal North America. Ask your agent for policy availability and details.
Homeowner | Landlord (Dwelling Fire) |
Condo | Renter | |
---|---|---|---|---|
Dwelling | ||||
Other Structures | ||||
Personal Property | ||||
Medical Payments | ||||
Personal Liability | ||||
Loss of Use | ||||
Loss Assessment | ||||
Loss of Rental Income |
Coverage available for additional cost.
Easy online access
Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online. Log in