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Edmond, OK 73034

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Featured Insurance Blog

Securing Your Condo During a Storm

As a condo owner in Oklahoma, you have the potential to be the victim of natural disasters and storms that are common in this area. To protect your condo to the best of your ability, there are some things you can do to minimize the damage to your property. 

Securing Your Condo

1. Secure Loose Items on Balconies

Because many condos are on higher floors, balconies are provided to give that private outdoor space. It is easy to leave furniture and other items out on these balconies; these are the first items gone and causing damage in the event of a storm. Things like grills and furniture should be secured to the balcony so they aren’t moving about during the storm. 

2. Shutter your Windows

You cannot equalize the wind pressure during a tornado by opening your windows. To minimize the damage coming into your condo, you can best shut these windows with tornado-grade shutters or secure thick pieces of plywood to the windows. 

3. Seal Any Exterior Gaps

By taking a quick look around the exterior of your home, look for gaps in the siding where wind can get in. Sealing these areas with caulk and gaps to withstand the potential wind damage that could affect the condo. 

4. Secure Loose Items in Your Home

Before the storm, it is good practice to start removing anything heavy from your walls so that it can’t be thrown around in the storm and cause further damage. You will want to stack items almost like you are packing them so they are secure during the storm and you have minimal items that could be damaged during the storm. 

Insurance Source Solutions Is Here To Help

The tips above are designed to help protect your Oklahoma condo. However, the best protection you can have is your own condo insurance policy from Insurance Source Solutions. This will help you with costs and replacements after the storm. 

Why It’s So Important to Have Condo Insurance

It’s great to own a condo, but it’s vital for you to keep that condo well-protected with a condo insurance policy. Without one of these policies, you can put yourself in danger of serious financial problems. When you need condo coverage in Oklahoma, give us a call at Insurance Source Solutions.

Protection for Your Condo

One of the types of coverage that you get with condo insurance is protection for the dwelling itself. This includes only the parts you own, which may include the inside of the exterior walls or exclude that area. The outer part of the outer walls is always held by the condo board and is not insured with condo insurance. When something damages your condo, your condo policy can pay for the damage to be repaired. It may also pay for you to live elsewhere during these repairs if needed. 

Item Protection

All of your belongings inside your condo are also protected by your policy. When an event happens that damages your possessions, it can be covered by your policy. This will allow the policy to pay for your items to be replaced. This is an important type of protection that can save you a lot after a damaging event happens. 

Protection Against Liability

Another form of protection in condo insurance is coverage that protects you against liability. This coverage is there in case someone has an accident inside your condo and becomes injured from it. When this happens, you are generally liable for all of the medical bills and other costs like lost wages that result from it. With condo insurance, the policy can pay for their bills. 

Get Condo Insurance

When you’re a condo owner, you must have a condo policy to protect yourself. Call us today at Insurance Source Solutions in Oklahoma when you need a policy.

Why You Need Condo Insurance

For every condo owner, getting condo insurance is an important responsibility. Condo insurance isn’t like home insurance, and it isn’t like renters’ policies. It is a unique type of insurance just for condos. If you need your condo protected with insurance, contact us at Insurance Source Solutions in Oklahoma to find out more.

Condo-Specific Coverage

When you get condo insurance, your policy only covers the exact parameters of your specific condo. Unlike home insurance, this doesn’t mean that the whole dwelling is covered. With a condo, your ownership may go to the inside walls and include everything inside that line. Or, it may include everything in between the outer outside walls and everything inside it. Your specific property lines are covered so that you aren’t paying for parts of your condo that you do not own. 

Possessions Coverage

Another part of this coverage is protection for your belongings. If a serious incident were to happen that destroys your items, or ruins them, your condo policy would pay for you to replace them. This coverage is extremely important for you to keep up your standard of living after an accident, calamity, etc. 

Liability Coverage

Your condo policy also includes an amount of protection for your bodily injury liability. If you were to have a guest or other person in your condo, and they became sick or were injured, the resulting medical bills may be your responsibility. Your liability coverage pays these bills up to the policy’s maximum. This is an important type of coverage to have to protect your financial future. 

Get Your Condo Coverage

It’s important not to go without this valuable insurance coverage. And, your condo board almost certainly requires you to have it. If you need a condo policy, call us today at Insurance Source Solutions in Oklahoma.

How Does Condo Insurance Work?

If you have a condo, you need a specialized form of insurance to protect it. Your policy’s exact parameters have a lot to do with your condo association and how they outline what you’re responsible for. If you need a personalized condo insurance policy, contact us at Insurance Source Solutions of Oklahoma.

Your Condo Policy

Your condo association will have a document called the master policy. This outlines just which portions of the building you are responsible for insuring as well as maintaining. Usually, this only includes the interior of the condo. Some contracts may require you to cover the walls’ insides as well, including the electrical system and the plumbing lines. Others will extend to some of the pipes outside of your condo. If you have made any improvements to the outside of the property, it will include those. The outside portions of the building, excluding any improvements you have made, are generally insured by the condo association. 

Other Coverage

As well as covering the condo itself, your condo insurance policy will likely cover all of your possessions inside it. Depending on the contract, this may also cover your liability inside the condo. This means that if someone has an accident or falls ill inside your home, their medical bills are covered by your insurance. Your policy may also cover your living expenses if you should be forced out of your condo because of serious calamities that make it uninhabitable. 

Call an Agent

If you have a condo and need insurance, contact us at Insurance Source Solutions of Oklahoma. We can help you to understand better condo insurance and what kind you need.


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