Are you planning to add permanent fixtures to your condo to enhance its functionality and appearance? If so, it’s important to consider how these upgrades may affect the amount of insurance coverage you need.

Addressing Liability Concerns

Before making changes to your condo, evaluate the potential risks of injury or property damage. Adding new features may alter the layout and functionality of your living space, potentially increasing the likelihood of accidents.

For instance, new floor coverings could pose a tripping hazard. If you frequently host guests in your condo, you may want to increase the liability protection provided by your condo insurance policy.

Protecting Against Material Damage

Consider the possibility of unforeseen incidents damaging the new materials used in your condo upgrades. Materials susceptible to water or wind damage should be covered under your condo insurance policy.

This coverage can help you manage repair costs if the materials are damaged during an unexpected event.

Safeguarding Personal Assets

Evaluate the security of your condo and the risk of theft. If you’re concerned about intruders, protecting your personal assets through your condo insurance policy is a wise decision.

Listing your valuables in your policy ensures you can replace stolen items. Before adding them, assess your possessions and determine their value to ensure accurate coverage.

Consulting an Insurance Agent

An insurance agent representing Janis-Shunta Insurance Agency can assist you with your condo insurance needs. Contact our office to schedule an appointment with an agent serving the Muskegon, MI, area.