Assurant Condo Insurance

If you buy an Assurant condo insurance policy, it's important to understand what coverage you will receive and how your insurance plan can benefit you. A coverage plan will protect your property from damages caused by fire, vandalism, and any thefts from the premises. Assurant policies also cover weather damage from wind, snow, ice, hail, or lightning. Unintentional tearing, plumbing failure, and heating/cooling system malfunctions are also insured under your Assurant insurance policy. However, it is important to keep in mind what is not covered by a standard condo insurance policy; damage caused by rodents, mudslides, nuclear hazards, earthquakes, flooding, and insect infestations aren't covered. But Assurant condo insurance plans cover your personal items like furniture, electronics, or jewelry and most importantly personal liability which covers you if anybody tries to bring a claim against you because of bodily injury or property damage on your own unit or its residents. Assurant can also offer lack of use coverage if your condo becomes uninhabitable and tenants must reside in another property. This also covers you if anyone (who is not a resident) gets injured while on your property and you need to pay their medical bills.

Condo insurance can be expensive, but if you know where to look you can save hundreds of dollars a month on your policy premiums. If you have a vehicle and are also searching for car insurance alongside your condo insurance, Assurant can create an insurance bundle for your vehicle and condo insurance giving you a discounted rate on both coverage plans and making the process of making a claim easier as you only need the details of one provider. Multi-policy discounts are the easiest discount to obtain from an insurance provider but you can make your own savings by making your property safer. Installing smoke, fire, and burglar alarms can make you eligible for further discounts on your insurance premiums. Having sprinklers may lower your Assurant condo insurance policy premium even further and give you peace of mind in the event of a fire. Your claims history can also affect your insurance rates. If you don't have any past claims then you might be qualified for a claims-free reduction to reduce your premium. Negotiating with policy suppliers is critical if you want to secure the right insurance deal for you. Make sure you have gathered all the information we have mentioned and your claims history so that you can get the best policy at the cheapest price possible.

It's important that you understand what is covered by your association master policy before you start shopping around for a device policy. You should do some research into insurance providers in your area and find out what suppliers can provide coverage for and exactly what discounts they can give you. To receive the best quotes you need to provide accurate information. To be able to acquire a condo insurance quotation from Assurant you will need to know the following: your name, date of arrival, condo address, policy start date, the details of any business conducted on the premises, if the condo is a primary or seasonal dwelling and the number of people residing in the condo. You will also need some basic information about your condo including but not limited to: the year it was built, the number of stories, the square footage/ dimensions of the property, safety features, insurance coverage, fire protection, and most importantly you need to know what coverage you want for your condo. From here Assurant can give you a personalized quote based on this information and can apply all relevant discounts to your rate.

With Assurant, you can file a claim online or get in touch with an agent via a phone call. As soon as you submit your claim, an agent will contact you to discuss how the claim will progress. It's important to take reasonable steps to prevent safety risks or potential damage. Don't forget to keep records of everything you spent on repairing your property as well as anything that was damaged. Most importantly contact an agent through Assurant as soon as you can and gather names of any witnesses to the event. If you are not satisfied with the service Assurant has given you then you can cancel your condo insurance policy quickly and easily through phone or email. Usually, these cancellations are effective immediately. Or you can call your local provider to alter your coverage plan if you are not satisfied with your current plan. If you're struggling financially, Assurant will work with you to find a way you can have coverage in case of an emergency without destabilizing you monetarily, ask your agent about switching to monthly payments instead of lump-sum payments to ease that pressure.