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Modern Choice Insurance

4516 W Charleston BLVD, Ste L
Las Vegas NV 89102

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Condo Insurance in Nevada

If you have recently purchased a Nevada condo, you may be tempted to think that your Condo Association’s Master Policy will cater to the expenses arising within your unit. This is, however, not the case as the Master Policy only caters to the common areas around your residence. Protecting your condo will require condo insurance from a provider like Modern Choice Insurance in Las Vegas NV.

Personal Property Coverage

Personal property coverage protects items such as your furniture, clothing, and appliances when they get damaged. Types of damage covered under condo insurance include fires, vandalism, and electrical faults. If your property also gets stolen, this coverage option will cater to the costs of replacement.

Personal Liability Coverage

Personal liability coverage comes in handy when someone gets injured in your condo and sues you. This policy will help offset costs such as hospital bills and examination fees, allowing you to cut back on any extra expenses. If your guest’s property also gets damaged in your residence, this coverage also ensures that any repairs or replacement costs are catered to.

Building Property Coverage

This coverage caters to expenses arising from damages to your walls and condo fixtures. Items covered under building property coverage include cabinets, built-in bookcases, and fixtures such as sinks.

Loss Assessment Coverage

If the common areas around your condo are damaged and the Master Policy gets exhausted, you will likely have to chip into the repairs. Loss assessment coverage takes care of your share of contribution in such a scenario.

Loss of Use Coverage

Property damage can compromise your condo's integrity, making it uninhabitable until repairs and replacements are carried out. When this happens, you will have to seek shelter elsewhere, a factor that could mean extra spending due to hotel accommodations. Loss of use coverage caters to additional expenses resulting from such a situation, keeping you protected during your relocation.

For more information on condo insurance within Nevada, contact Modern Choice Insurance in Las Vegas NV to speak to our agents. Our options are tailor-made for each condo owner, helping you maximize your needs in every scenario.


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