Like home insurance, condo insurance is a crucial part of protecting your property in the case of a natural disaster. However, there are limitations to what the policy will cover. Owners located in the Birmingham, MI area should ensure that they have proper coverage, as it’s common for tornadoes, storms, and flooding to occur. Our team at High Favor Insurance wants to ensure that you get coverage that fits your needs, and we’ll walk you through what condo insurance covers.

What Natural Disaster Policies Cover

Condo insurance policies will include coverage for a natural disaster up to a certain amount. A few factors, including your area, the type of natural disaster, and your policy plan, determine this amount. Generally, policies will include coverage for hail, wind, storms, etc. However, natural disaster policies often don’t include earthquakes or flooding.

Condo insurance differs slightly from home insurance as it can cover damage due to a neighboring unit. This means that if a natural disaster damages an adjoining unit and affects your property, you’ll be covered.

How to Get Fully Covered Condo Insurance

To ensure that your property is protected, adding additional insurance policies to your condo plan is advisable. Flooding is often common in the Birmingham, MI, area, and it can wreak havoc if it significantly damages your home. By taking proactive steps and discussing your options with a professional at High Favor Insurance, you can determine your eligibility for additional plans, giving you peace of mind.

How We Can Help

Natural disasters can affect anyone anywhere, and without proper coverage, you could be looking at substantial damage without any coverage. Speaking with a High Favor Insurance team member can ensure your condo is protected. We’re here to provide you with the peace of mind that comes from knowing your property is secure. All you’ll need to do is contact us today, and we’re ready to help.