Homeowners Insurance

All Access Insurance Services, LLC

Homeowners Insurance for your co-op or condo

Insurance for homeowners, apartments, condos, renters

If you have purchased a condo or co-op, the bank will require insurance to protect its investment in your home. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby.Apartments Condos and renters

You will need two separate policies to protect your investment:

To adequately insure your unit, it is important to know what structural parts of your home are covered by the condo/co-op association and what are not. You can do this by reading your association’s bylaws and/or proprietary lease. If you have questions, talk to your condo association, family attorney, or your friendly customer service agent here at All Access Insurance Services, LLC.

Sometimes the association is responsible for insuring the individual condo or co-op units, as they were originally built, including standard fixtures. The individual owner, in this case, is only responsible for alterations to the original structure of the apartment, like remodeling the kitchen or bathtub. Sometimes this includes not only improvements you make, but those made by previous owners.

In other situations, the condo/co-op association is responsible only for insuring the bare walls, floor and ceiling. The owner must insure kitchen cabinets, built-in appliances, plumbing, wiring, bathroom fixtures etc.

Also ask us about the following additional coverage’s:Condos and homeowners

Insurance for homeowners, apartments, condos, renters
 Homeowner insurance free quotes

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All Access Insurance Services, LLC
713 Mission Ave - Suite A
Oceanside, California 92054

Toll Free (800)-808-2695
State Insurance License # 0D69251