Investing in a condo in Muskegon, MI, is an excellent choice for those looking to enter the housing market. It provides the comfort of a home without the hassle of exterior maintenance. At Janis-Shunta Insurance, we are an independent insurance agency. This means we work for our customers, not an insurance company, offering more choices and the best prices.

While a condo is a home, it differs from a freestanding house regarding insurance.

Condo Association Insurance

Condos have an association that holds a master insurance policy to cover shared parts of the complex. This includes the roof, exterior porches, parking lots, siding, communal gym, and swimming pool. These are areas you are not responsible for and don’t need to insure. The extent of coverage from the exterior wall depends on their policy, so it’s crucial to read your condo covenant.

Liability Coverage

It’s essential to have liability coverage for injuries that occur within your unit or caused by your family members away from your condo. The condo association policy covers the common areas.

Property Coverage

Typically, your condo property coverage extends from the walls inwards. This includes items attached to the walls, such as cabinets, lights, and bathroom fixtures.

Personal Property

You must insure all your items within your unit, including electronics, clothing, furniture, appliances, and more.

Loss of Use

Like a home policy, if your condo becomes uninhabitable, you should have coverage that pays for your stay elsewhere until you can move back in.

If you live in Muskegon, MI, or the surrounding area, Janis-Shunta Insurance can provide the condo insurance assistance you need.