You’ve made the investment, but are you properly insured?

When choosing insurance for your condo/co-op, you will most likely need two separate policies to protect your investment. Your own insurance policy should cover:

• Your personal possessions, structural improvements and living expenses if you are the victim of fire, theft or any other disaster listed in your policy.
• Liability protection for certain type of claims brought against you.
• Medical payments to others injured in an accident that arises from your premises or personal activities.

The second policy you will need to consider is a “master policy” provided by the condo/co-op board. This policy will cover liability and physical damage for the areas you share with others in your building like the roof, basement, elevator, boiler and walkways.

Talk with Gaetani Insurance about additional coverages you may need such as unit assessment, water back-up, umbrella liability, flood, floater, etc. You may also be eligible for reduced rates by raising your deductible and installing a smoke and fire alarm system that rings to an outside service.

Read some of our testimonials from local people in the Greater Binghamton area of New York and see what they have to say about the personalized services of Gaetani Insurance.

Call Gaetani Insurance at 607.724.3536 or contact us through the website to talk with an agent about your condo/co-op insurance needs.

You’ve earned it, now relax and enjoy life.