As a condo owner, you’ll get a personal condo insurance policy for your protection and anything you own as personal property. We have a list below if you aren’t sure what’s considered personal property.
1. Art
Any large paintings, sculptures, or other pieces of artwork that cost you a substantial amount of money and are valuable are considered personal property. Those who collect art must protect their collection, as these pieces could be targeted in a home invasion.
2. Furniture
Even if the furniture you have isn’t much, it is still yours and should be replaced in the event of a theft or natural disaster. Furniture includes your bedroom suite, living room set, kitchen table, and other pieces around your condo.
3. Decorations
Some of us enjoy spending our time and money on holiday decorations. If you have invested a lot of money in your decorations, they are considered personal property that can be replaced in a disaster. This includes everything from the tree and ornaments to the wreaths and door decorations. List your most expensive decorations and tell your agent what you’ve invested in this property.
4. Clothing
Your clothing is also considered your personal property and should be treated as such. Some items are more expensive than others, so if you have expensive suits, party dresses, or wedding attire that is very valuable to you, you can have it replaced in the event of a tragedy. You can get your entire wardrobe replaced when you speak to your agent about how much you think it’s worth and work that into your policy.
If you want to purchase a condo in South Carolina, let us help you get the necessary coverage. Our team at C & H Insurance Associates LLC stands by to help you build a suitable policy for your needs.
