{"id":2665,"date":"2025-10-28T21:46:52","date_gmt":"2025-10-28T21:46:52","guid":{"rendered":"https:\/\/lancobrokerage.com\/?page_id=2665"},"modified":"2026-03-24T22:29:01","modified_gmt":"2026-03-24T22:29:01","slug":"condo-insurance-in-ny-and-nj","status":"publish","type":"page","link":"https:\/\/lancobrokerage.com\/es\/condo-insurance-in-ny-and-nj\/","title":{"rendered":"Condominio"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2665\" class=\"elementor elementor-2665\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c19e3e no-lazy elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c19e3e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e00acb\" data-id=\"3e00acb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86e5f45 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"86e5f45\" data-element_type=\"widget\" data-e-type=\"widget\" fetchpriority=\"high\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-2-1024x683.jpg\" class=\"attachment-large size-large wp-image-2742\" alt=\"Condo living room covered by the unit owner&#039;s condo insurance.\" srcset=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-2-1024x683.jpg 1024w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-2-300x200.jpg 300w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-2-768x512.jpg 768w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-2-1536x1024.jpg 1536w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-2-2048x1366.jpg 2048w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-2-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf8ba8f elementor-widget elementor-widget-heading\" data-id=\"bf8ba8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Condo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8ba0a37 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ba0a37\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-67c403d\" data-id=\"67c403d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-48f0014 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48f0014\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-83fc415\" data-id=\"83fc415\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09c9838 elementor-widget elementor-widget-sina_title\" data-id=\"09c9838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"sina-title\">\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\t\t\t\t<h3 class=\"sina-title-subtitle\">Why Should I Get Condo Insurance?<\/h3>\t\t\t\r\n\t\t\t\t\t<\/div><!-- .sina-title -->\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd0334e\" data-id=\"fd0334e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9dab08a elementor-widget elementor-widget-text-editor\" data-id=\"9dab08a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A condo association\u2019s master policy usually only covers the building\u2019s exterior, roof, and shared common areas, not the interior of your individual unit. That means if you own your condo, you need condo insurance (HO-6) to protect what\u2019s inside your walls. This policy covers your unit\u2019s interior features like cabinets, flooring, and fixtures, along with your personal property and personal liability. This coverage is designed for condo owners, not tenants, and fills the gaps left by your association\u2019s master policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-561ecd8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"561ecd8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b04b7d7\" data-id=\"b04b7d7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7aa0126 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7aa0126\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7dc426 elementor-widget elementor-widget-sina_title\" data-id=\"d7dc426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"sina-title\">\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\t\t\t\t<h3 class=\"sina-title-subtitle\">What risks Do Condo Insurance Policies cover?<\/h3>\t\t\t\r\n\t\t\t\t\t<\/div><!-- .sina-title -->\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84c7653 elementor-widget elementor-widget-text-editor\" data-id=\"84c7653\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A condo (HO-6) policy covers the parts of your unit that belong to you such as the walls, floors, built-in fixtures, and personal property inside. It typically protects against losses from fire, smoke, theft, water damage from plumbing, windstorms, and other covered perils. It also includes liability coverage in case someone gets injured inside your unit, as well as loss-of-use coverage which helps pay for temporary housing if a covered claim makes your home uninhabitable. Whether you own a high-rise condo in the city or a townhouse-style unit in a shared community, condo insurance helps safeguard your investment and peace of mind.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-27c4a68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27c4a68\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d5afda4\" data-id=\"d5afda4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b73d608 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b73d608\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fills gaps that the condo association's master policy does not cover<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Provides liability coverage if someone is injured inside your condo<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covers personal belongings like furniture, clothing, and valuables<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e7f16d0\" data-id=\"e7f16d0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68157c7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"68157c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Protects unit interior, including walls, floors, and built-in fixtures<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pays for loss-of-use expenses if your unit becomes uninhabitable <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covers common perils such as fire, smoke, theft, windstorm, and water damage from plumbing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-ead5e5f elementor-widget elementor-widget-image\" data-id=\"ead5e5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-1-1024x683.webp\" class=\"attachment-large size-large wp-image-2741\" alt=\"Condo bedroom covered by the owner\u2019s condo insurance policy\" srcset=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-1-1024x683.webp 1024w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-1-300x200.webp 300w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-1-768x513.webp 768w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-1-1536x1025.webp 1536w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-1-2048x1367.webp 2048w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-Condo-1-18x12.webp 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94b8d6f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"94b8d6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-727043f elementor-widget elementor-widget-sina_title\" data-id=\"727043f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"sina-title\">\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\t\t\t\t<h3 class=\"sina-title-subtitle\">online Government Resources <\/h3>\t\t\t\r\n\t\t\t\t\t<\/div><!-- .sina-title -->\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5dbcc elementor-widget elementor-widget-text-editor\" data-id=\"4b5dbcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For a detailed overview of condo owner insurance from a trusted government source, check out the <a style=\"color: #4286f4;\" href=\"https:\/\/www.dfs.ny.gov\/consumers\/help_for_homeowners\/homeowner_tenant_guide\" target=\"_blank\" rel=\"noopener\">New\u202fYork State Department of Financial Services \u2014 \u201cHomeowners &amp; Tenants Insurance Guide\u201d<\/a> and see the section titled \u201cCondominium Policies (HO\u20116)&#8221;. For New Jersey unit\u2011owners, the <a style=\"color: #4286f4;\" href=\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/homeownersummaries\/condominium.pdf\" target=\"_blank\" rel=\"noopener\">New Jersey Department of Banking &amp; Insurance \u2014 \u201cCondominium Unit Owners Insurance\u201d PDF<\/a> explains how typical HO\u20116 policies cover your interior walls, personal property and liability, separate from the condo association\u2019s master policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bf3a3bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf3a3bc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-598c059\" data-id=\"598c059\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bebecc4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bebecc4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5334ee1\" data-id=\"5334ee1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d316987 elementor-widget elementor-widget-sina_title\" data-id=\"d316987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"sina-title\">\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\t\t\t\t<h3 class=\"sina-title-subtitle\">talk to an insurance specialist<\/h3>\t\t\t\r\n\t\t\t\t\t<\/div><!-- .sina-title -->\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3364bb6 elementor-widget elementor-widget-text-editor\" data-id=\"3364bb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Get expert guidance from licensed insurance professionals who understand your unique needs. We&#8217;re here to help you find the right coverage\u2014fast. Call us today to get started!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4346ea0\" data-id=\"4346ea0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b35a57 elementor-widget elementor-widget-heading\" data-id=\"4b35a57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Toll Free Number<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e01e38 elementor-widget elementor-widget-heading\" data-id=\"3e01e38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:2127957090\">(212) 795-7090<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-31a5527 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31a5527\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-99c0482\" data-id=\"99c0482\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4486403 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4486403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"mailto:%20info@lancobrokerage.com\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Understand Your Coverage\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-clipboard-list\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"mailto:%20info@lancobrokerage.com\" >\n\t\t\t\t\t\t\tUnderstand Your Coverage\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAlready a client? Unsure what your policy includes? Get a clear breakdown of your current coverage, exclusions, and options for updates or changes.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61fe1ca elementor-align-center elementor-widget elementor-widget-button\" data-id=\"61fe1ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:%20info@lancobrokerage.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact team<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c764eb5\" data-id=\"c764eb5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf25424 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bf25424\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/lancobrokerage.com\/free-insurance-quote-new-york-and-new-jersey\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Get a Competitive Quote\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-file-signature\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/lancobrokerage.com\/free-insurance-quote-new-york-and-new-jersey\/\" >\n\t\t\t\t\t\t\tGet a Competitive Quote\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe can help you find the right policy and potentially lower your premiums. Let us shop for you and show you what you're missing!\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79d3aaf elementor-align-center elementor-widget elementor-widget-button\" data-id=\"79d3aaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/lancobrokerage.com\/free-insurance-quote-new-york-and-new-jersey\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">free quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6bd5ea9\" data-id=\"6bd5ea9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a961909 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a961909\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"mailto:%20info@lancobrokerage.com\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"make a claim\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-shield-alt\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"mailto:%20info@lancobrokerage.com\" >\n\t\t\t\t\t\t\tmake a claim\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhen the unexpected happens, our claims support team is here to guide you every step of the way. We work with you to handle your claim efficiently.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-959aa33 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"959aa33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:info@lancobrokerage.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Report claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-f83ca32 e-flex e-con-boxed e-con e-parent\" data-id=\"f83ca32\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9510c62 e-con-full e-flex e-con e-child\" data-id=\"9510c62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38885ca elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"38885ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e4e264 elementor-widget elementor-widget-heading\" data-id=\"8e4e264\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0244eb6 elementor-widget elementor-widget-elementskit-faq\" data-id=\"0244eb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-faq.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n                <div class=\"elementskit-single-faq elementor-repeater-item-9efcb83\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">1.) What does a typical condo insurance (HO-6) policy cover?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Under a condo insurance (HO\u20116) policy, the insured is the condo unit owner, not a tenant, unless the unit owner lives in that condo. It covers the owner's personal property, personal liability and defense costs if they\u2019re sued for injury or property damage. It also covers loss of use or additional living expenses that pay reasonable temporary living costs if the condo is uninhabitable after a covered loss, as well as improvements and betterments that the owner installs. Optional endorsements can extend basic protection for things like water backup, ordinance or law, and higher limits for specific valuables. The exact coverages and exclusions vary by carrier and the particular policy, so read the declarations page and endorsements carefully.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-1608d9d\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">2.) How does liability coverage protect me?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Condo insurance includes liability protection if someone is injured inside your unit or if you accidentally damage another unit or shared property, helping cover legal fees and damages.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-1133179\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">3.) Replacement cost vs. actual cash value - what should I choose?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Replacement-cost coverage reimburses you for the cost to repair or replace covered personal property without deduction for depreciation, while actual-cash-value (ACV) pays replacement cost minus depreciation. Replacement cost yields higher payouts at claim time and higher premiums. For many people, the modest additional premium for replacement cost is worthwhile because ACV often leaves you underinsured after depreciation is subtracted for older items.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-42ca5a8\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">4.) What is loss-of-use coverage in condo insurance?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                If your condo becomes uninhabitable due to a covered event, loss-of-use coverage helps pay for temporary living expenses such as hotel stays or rent until your unit is repaired.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-6d9d1bd\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">5.) Are floods or earthquakes covered by condo insurance?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Standard condo insurance policies usually do not cover a <a style=\"color: #4286f4\" href=\"https:\/\/lancobrokerage.com\/flood-insurance-for-ny-nj-properties\/\" target=\"_blank\" rel=\"noopener\">flood<\/a> or earthquake. In New York and New Jersey,  you may need to purchase separate insurance policies to protect against these risks.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-e491299\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">6.) Who pays for damage to the building or structure?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                The building owner\u2019s property insurance should cover damage to the physical building, its foundation, and permanent fixtures. Your condo insurance policy usually only covers your unit's interior walls, your personal property and your liability. So, if a pipe bursts and ruins the walls and your belongings, the building owner's property insurer addresses the building repairs while your policy addresses your possessions &amp; possible additional living expenses.             <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-c3f0ff0\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">7.) Can condo insurance cover improvements I make to my unit?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Yes. Many policies allow you to insure upgrades such as custom cabinets, flooring, or built-in appliances. Be sure to review your policy limits and coverage options for renovations.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-3796ce4\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">8.) How should I document my belongings to support a claim?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Documenting your belongings means creating a dated inventory with photos or video showing each room and high-value items, keeping receipts and serial numbers where possible, storing backups of the inventory off-site or in cloud storage, and keeping purchase records for big-ticket items to make proof-of-loss straightforward if you need to file a claim. Insurers will ask for proof and an organized inventory speeds up the process and improves settlement outcomes.            <\/div>\n        <\/div>\n                                <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1.) What does a typical condo insurance (HO-6) policy cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Under a condo insurance (HO\u20116) policy, the insured is the condo unit owner, not a tenant, unless the unit owner lives in that condo. It covers the owner's personal property, personal liability and defense costs if they\u2019re sued for injury or property damage. It also covers loss of use or additional living expenses that pay reasonable temporary living costs if the condo is uninhabitable after a covered loss, as well as improvements and betterments that the owner installs. Optional endorsements can extend basic protection for things like water backup, ordinance or law, and higher limits for specific valuables. The exact coverages and exclusions vary by carrier and the particular policy, so read the declarations page and endorsements carefully.\"}},{\"@type\":\"Question\",\"name\":\"2.) How does liability coverage protect me?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Condo insurance includes liability protection if someone is injured inside your unit or if you accidentally damage another unit or shared property, helping cover legal fees and damages.\"}},{\"@type\":\"Question\",\"name\":\"3.) Replacement cost vs. actual cash value - what should I choose?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Replacement-cost coverage reimburses you for the cost to repair or replace covered personal property without deduction for depreciation, while actual-cash-value (ACV) pays replacement cost minus depreciation. Replacement cost yields higher payouts at claim time and higher premiums. For many people, the modest additional premium for replacement cost is worthwhile because ACV often leaves you underinsured after depreciation is subtracted for older items.\"}},{\"@type\":\"Question\",\"name\":\"4.) What is loss-of-use coverage in condo insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If your condo becomes uninhabitable due to a covered event, loss-of-use coverage helps pay for temporary living expenses such as hotel stays or rent until your unit is repaired.\"}},{\"@type\":\"Question\",\"name\":\"5.) Are floods or earthquakes covered by condo insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Standard condo insurance policies usually do not cover a <a style=\\\"color: #4286f4\\\" href=\\\"https:\/\/lancobrokerage.com\/flood-insurance-for-ny-nj-properties\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">flood<\/a> or earthquake. In New York and New Jersey,  you may need to purchase separate insurance policies to protect against these risks.\"}},{\"@type\":\"Question\",\"name\":\"6.) Who pays for damage to the building or structure?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The building owner\u2019s property insurance should cover damage to the physical building, its foundation, and permanent fixtures. Your condo insurance policy usually only covers your unit's interior walls, your personal property and your liability. So, if a pipe bursts and ruins the walls and your belongings, the building owner's property insurer addresses the building repairs while your policy addresses your possessions &amp; possible additional living expenses. \"}},{\"@type\":\"Question\",\"name\":\"7.) Can condo insurance cover improvements I make to my unit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Many policies allow you to insure upgrades such as custom cabinets, flooring, or built-in appliances. Be sure to review your policy limits and coverage options for renovations.\"}},{\"@type\":\"Question\",\"name\":\"8.) How should I document my belongings to support a claim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Documenting your belongings means creating a dated inventory with photos or video showing each room and high-value items, keeping receipts and serial numbers where possible, storing backups of the inventory off-site or in cloud storage, and keeping purchase records for big-ticket items to make proof-of-loss straightforward if you need to file a claim. Insurers will ask for proof and an organized inventory speeds up the process and improves settlement outcomes.\"}}]}<\/script>\n                \n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Condo Why Should I Get Condo Insurance? A condo association\u2019s master policy usually only covers the building\u2019s exterior, roof, and shared common areas, not the interior of your individual unit. That means if you own your condo, you need condo insurance (HO-6) to protect what\u2019s inside your walls. This policy covers your unit\u2019s interior features 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