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covers your property from the outside walls in, your property both at and sometimes away from your condominium, and provides you with liability insurance as well.
Very similar to a homeowner policy, a condo owners’ insurance policy can be customized in a variety of ways depending on your needs. You aren’t required to carry insurance for common areas or the outside of the building, but your condo owners’ association may have special requirements, so it’s a good idea to review those. Or let one of the Condo Insurance agents at J. P. Perry Insurance be of assistance to you.
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today to answer any questions about Condo Insurance or for a free review and insurance quote for Condo Insurance. And don’t forget, as an independent insurance agency, we represent several top rated insurance companies. We have the flexibility to find you the right coverage at competitive premiums for business, home, auto and more.
Not all auto insurance policies are created equal and that is especially true if you are looking for the right insurance for a restored or collectible vehicle. A standard automobile policy usually pays for vehicle damage under the comprehensive or collision part of the the insurance policy, but claim settlement is usually for actual cash value (ACV) – the cost new less depreciation. Obviously this approach isn’t the best one to take when insuring a classic car.
That’s why our agency recommends special insurance coverage for the stated value of your special automobile or truck. Some other common considerations that you may want to consider when we discuss insurance for your classic car:
Are the actual miles you drive your collectible car limited?
Will you need coverage for spare parts?
Do you want to use a special repair shop for any insured damage to your auto?
Will you need insurance while your car is being restored?
Contact us today to get started with an insurance policy customized especially to protect your special vehicle.Flood
insurance isn’t just for Florida residents who live in a designated flood plain. Flood insurance provides coverage for your property damaged through groundwater intrusion that is typically excluded from your homeowners policy.
Most home lenders require flood insurance for property located in a designated flood plain. It can also be purchased by homeowners who do not live in a flood plain. Call or contact our office to find out if flood insurance is a good idea for you. One of the flood insurance professional at J. P. Perry Insurance would be happy to help you.
Personal umbrella insurance provides extra coverage above the liability coverage in home, auto and other personal insurance policies. Those policies usually carry liability limits of $100,000 or $300,000, but is that enough? Umbrella insurance adds a layer of coverage of $1 million, $2 million or more, and it isn’t just for the ultra-wealthy.short hospital stay can easily exceed $100,000 and long term rehabilitation and loss of income can also get into six-figures quickly. If someone is injured in a car accident and you are at fault, or a guest is injured on your home property, monetary damages can add up quickly. You should think seriously about adding umbrella insurance to your personal insurance coverage if
Those are just a few situations that call for extra liability insurance protection, but there are more. To learn about those, contact an umbrella insurance agent at J. P. Perry Insurance today.
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