Condo Insurance

Condo Insurance Albany NYThe Debra Lamay Agency LLC offers low rates, excellent service, financial stability, customized coverage tailored to your needs as a condo owners. Plus you get the benefit of a real neighborhood agent. Here you will find Customized Protection for Condo Owners and Renters Insurance for subletters and renters.

Condo owners have needs that are different from those of renters and homeowners. There are a variety of carriers and coverage options. Talk to a knowledgeable agent and determine your coverage needs.

Condo Coverage can include compensation for:

Personal Property:  
Provides coverage for your household items in the event of fire, theft or other covered loss. Did you know that most condo association policies don’t provide coverage for your personal belongings?

Additional Personal Property: 
Provides additional coverage for antiques, fine art, jewelry and other valuables.

Provides coverage for fixtures and improvements, such as cabinets, flooring and lighting, as well as other free standing structures that may not be covered by your condo association’s policy.

Loss Assessment:
Provides additional coverage in the event your condo association levies an assessment on each condo owner to make common area repairs for a covered loss.

Additional Living Expenses:
Provides coverage for living expenses if your condo becomes uninhabitable as a result of a covered loss.

Personal Liability Protection:
Pays for bodily injury or property damage caused to others as a result of a covered incident.

Guest Medical Protection:
Pays medical expenses for your guests who are accidentally injured on your property.

Workers’ Comp Coverage:
Pays medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.

Condos Rented to Others:
Provides liability and contents coverage on your condo when you rent it to others.
*Coverage(s) may be subject to certain restrictions and limitations.  Ask your local independent agent for more information.

The Debra Lamay Agency LLC offers a variety of carriers and can shop for you to find the lowest rates available.

You may qualify for discount programs including but not limited to:

  • Multi-Policy (Auto + Condo)
  • Gated Community
  • Smoke Alarms
  • Security Monitoring
  • Higher Deductible Discount