Condo Insurance in South Carolina
Your condominium may be your largest or one of your most significant investments. Whether the condo is your primary residence or a vacation home, you need insurance coverage to guard against damage from fire, theft, or other unforeseen causes. Our team at C & H Insurance Associates, LLC, serving the Hilton Head SC area, will advise and work with you to structure the coverage that best meets your needs.
Condo Insurance Considerations
Condo insurance in South Carolina and Georgia works like a regular homeowner’s insurance policy. The primary difference is that your condo association’s master policy covers parts of the dwelling structure and the common areas.
Condo insurance policies typically cover the following:
- Condo Interior: cabinets, walls, and other permanent structures inside your unit
- Personal Property: your furniture, clothing, appliances, and other personal items
- Loss of Use: pays additional living expenses if you must stay elsewhere during the repair period
- Personal Liability and Medical Payments:Legal fees and medical bills if someone is injured while in your unit
Each condo owner has unique circumstances and may need coverage for the following.
- Water and sewer backup
- Association assessments related to broader losses
- Earthquake or flood damage
- Jewelry, artwork, or other valuables rider
- Condo landlord insurance rider if you plan to rent out your condo at times
- Umbrella coverage
Our team will take the time to review each option with you to see if they apply to your situation.
Working with C & H Insurance Associates, LLC
C & H Insurance Associates, LLC proudly serves the Hilton Head, SC area and has experience with condo insurance issues in South Carolina and Georgia. We will work with you to structure a policy to protect your home and family against unforeseen events. Call or stop by today to discuss your condo insurance options. Or use our online rating tool to obtain a quote right now!
