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Condo Insurance & Home Insurance – What’s the Difference?

Little & Sons Insurance Group / Archive  / Condo Insurance & Home Insurance – What’s the Difference?
homeowners insurance in banning

Condo Insurance & Home Insurance – What’s the Difference?

When it comes to something as important as your condo insurance and homeowners insurance in Banning, do you know the difference between policies?

Buying a condo is very similar to buying a home because you get to enjoy the freedom of owning your own space, but you also must care for what happens to that property. Homeowners insurance in Banning covers homes while condo insurance covers condos – clearly. But if they both protect your living space, where do the differences lie?

One of the main differences between a home and a condo is how much property you own and how much, in turn, you must insure. When you buy a home, you need homeowners insurance in Banning to take care of the interior, exterior, and any land surrounding it. With a condo, you are only responsible for the interior and any common areas of the building.

Dwelling Coverage 

You need enough coverage to completely rebuild the interior of your condo. Repairs on the outside of the building like the exterior walls, elevators, hallways, et cetera, will fall under your condo’s association insurance.

Personal Property Coverage

As a condo owner, insuring your personal belongings is your main priority. The value of your electronic devices, jewelry, clothing, furniture, and the rest of your personal property is the key factor in determining the amount of condo insurance that you need.

Liability Coverage

If your guests get injured while they are on your premises, you will be held liable for their medical injuries. Liability coverage can help pay for the medical bills that your guest racks up due to the injury.

A home inventory list and the right homeowners insurance policy can protect you and your assets if they get stolen or damaged. The right insurance coverage shouldn’t be a task you have to worry about. Contact Little & Sons Insurance Services.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

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