Protecting Your Condo Begins with Insurance

Protecting the place we call home is something everyone thinks about, and for condo owners, the first step usually begins with condo insurance. It doesn’t matter if you live in a mansion, a single-room apartment, or a luxurious condo with all the amenities. Home can look different for everyone. However, protecting the place we call home looks very much alike to everyone. If you are a condo owner in the Sandpoint, ID area and have questions about condo insurance, the friendly and professional team at Selkirk Insurance Services can help.

Condo Insurance for the Place You Call Home

In many ways, a condo is as susceptible as a traditional home in terms of concerns about safety and protecting your home. From theft to liability claims and more, condo owners share many common concerns with other homeowners. It isn’t surprising that people who call home everything from an apartment to a house to a condo use insurance as a first line of defense to protect the place they call home.

At Selkirk Insurance, our team can help owners find condo insurance solutions that fit their needs, condos, and budgets. Protecting your home is important, regardless of where you live, and protecting your condo begins with the right condo insurance solutions. 

Condo Insurance in Sandpoint

If you are a condo owner in or around the greater Sandpoint, ID, area and have questions or want to learn more about condo insurance, our professional and trusted team at Selkirk Insurance Services can help. Contact us today to find out more and get the condo insurance you need to protect your place of residence.

Why every renter should have renters insurance

Owning a home isn’t for everyone. Many people opt for renting and letting someone else maintain and worry about the building. Only about 60 percent of renters actually have renters insurance, which is risky. At Selkirk Insurance Services in Sandpoint, ID, we ensure our customers understand the value of insurance on their rental. 

If you have any assets, renters insurance provides liability insurance that can protect your assets. If someone is hurt in your rental or by a family member away from your rental, it will provide coverage to pay for legal fees and a judgment against you. This can give you the peace of mind you need.

As a renter, you may assume that your landlord’s insurance protects your personal property, but that would be a mistake. The landlord’s insurance only covers what belongs to them, not what belongs to you. Renters insurance will provide the coverage that you need to protect all the things that you own. It covers theft as well as loss through a covered hazard. You can cover the items for their replacement cost or their current value. 

In addition to liability and personal property coverage, renters insurance may have a loss of use coverage. If your rental becomes uninhabitable, loss of use coverage will pay to stay in a hotel or temporary rental, and if you are unable to cook, it will pay for meals. 

If you live in or near Sandpoint, ID, Selkirk Insurance Services is your local independent insurance agency. We are here to help renters understand the benefits of having renters’ insurance. Give us a call to set up an appointment to discuss your needs.