Condo Media - February 2024 - 29

Homeowner's Insurance
and Renter's Insurance
A homeowner policy will also provide coverage for personal property, including computers,
electronics, furniture, clothing, etc., in addition to covering the master policy deductible gap.
Unit owners should carefully select a coverage limit for personal property by making a list
with replacement costs to determine the value of the items. In addition, if the unit is uninhabitable
because of a loss, the association master policy will not pay for a stay at a hotel; only the
homeowner policy provides this kind of coverage.
For investor-owners who lease their units, tenants must obtain their own renter's insurance
policy to protect their belongings and personal property, as these will be excluded under both
the HO6 homeowner policy and the master property insurance coverage. Landlords should
make sure that there is sufficient coverage on their HO6 policy for loss of rent in the event
that the damage to the unit makes it impossible for the tenants to continue to stay there while
condominium fees and mortgages must still be paid.
Unit owners should speak to their insurance agent and do the math. If there is an extra
$25,000 in a bank account available to spend on damages in an insurance loss, then it's not a
problem. But if that is not the case, it is not expensive to be well-covered by a homeowner insurance
policy, and it is very costly - emotionally and financially - to not be covered by one.
n PATRICIA BRAWLEY, CMCA, AMS, PCAM
IS THE OWNER OF CENTRAL MANAGEMENT
& CONSULTING SERVICES.
COMMUNITY ASSOCIATION INSURANCE TEAM
Protecting You Is Our Business
NATIONAL STRENGTH. LOCAL COMMITMENT. Our team gives you the personalized service you want from a local agency
and the peace-of-mind protection you expect from one of the largest brokers in the U.S.
QUALITY INSURANCE BROKERAGE SERVICES: Insurance for a condominium association is different than insurance for a
home or a non-residential building. For communities that include multiple owners and common areas, it is essential to
understand the nuances of Condo Law and how it coordinates with a multitude of carriers and coverages.
CONCIERGE SERVICE: Driven to be an industry leader through an exceptional service team. We act in the best interest
of you and always in a timely fashion. Our service team is geared towards you and your needs. Bottom line, we are
proactive instead of reactive.
FOCUS ON CONDOS: At Brown & Brown, we work with and place insurance for over several hundred condo clients.
We have been focused on the niche market of condominium and real estate insurance here in New England for over
40 years.
Ready to find your solution? Let's chat...
Thomas G. Shields, CLCS
Vice President
Direct: 978 408 1231
Thomas.Shields@BBrown.com
bbrown.com
February 2024 CONDOMEDIA 29

Condo Media - February 2024

Table of Contents for the Digital Edition of Condo Media - February 2024

Contents
Condo Media - February 2024 - Intro
Condo Media - February 2024 - Cover1
Condo Media - February 2024 - Cover2
Condo Media - February 2024 - Contents
Condo Media - February 2024 - 2
Condo Media - February 2024 - 3
Condo Media - February 2024 - 4
Condo Media - February 2024 - 5
Condo Media - February 2024 - 6
Condo Media - February 2024 - 7
Condo Media - February 2024 - 8
Condo Media - February 2024 - 9
Condo Media - February 2024 - 10
Condo Media - February 2024 - 11
Condo Media - February 2024 - 12
Condo Media - February 2024 - 13
Condo Media - February 2024 - 14
Condo Media - February 2024 - 15
Condo Media - February 2024 - 16
Condo Media - February 2024 - 17
Condo Media - February 2024 - 18
Condo Media - February 2024 - 19
Condo Media - February 2024 - 20
Condo Media - February 2024 - 21
Condo Media - February 2024 - 22
Condo Media - February 2024 - 23
Condo Media - February 2024 - 24
Condo Media - February 2024 - 25
Condo Media - February 2024 - 26
Condo Media - February 2024 - 27
Condo Media - February 2024 - 28
Condo Media - February 2024 - 29
Condo Media - February 2024 - 30
Condo Media - February 2024 - 31
Condo Media - February 2024 - 32
Condo Media - February 2024 - 33
Condo Media - February 2024 - 34
Condo Media - February 2024 - 35
Condo Media - February 2024 - 36
Condo Media - February 2024 - 37
Condo Media - February 2024 - 38
Condo Media - February 2024 - 39
Condo Media - February 2024 - 40
Condo Media - February 2024 - 41
Condo Media - February 2024 - 42
Condo Media - February 2024 - 43
Condo Media - February 2024 - 44
Condo Media - February 2024 - 45
Condo Media - February 2024 - 46
Condo Media - February 2024 - 47
Condo Media - February 2024 - 48
Condo Media - February 2024 - Cover3
Condo Media - February 2024 - Cover4
https://www.nxtbook.com/caine/condomedia/202501
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https://www.nxtbook.com/nxtbooks/mcneill/condomedia_201911_v2
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