HAÏTI - Politique : Moise Jean Charles dénonce l'opposition démocratique et annonce des surprises pour les jours à venir - Confidences

HAÏTI - Politique : Moise Jean Charles dénonce l'opposition démocratique et annonce des surprises pour les jours à venir - Confidences - VOICI tous les détails ci-dessous...

Autres détails : Au micro de radio kiskeya, Moise Jean Charles réagit - Suivez les détails ci-dessous...

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Florida Condo Insurance Coverage

Condo insurance, also called an HO-6 insurance policy, is similar to homeowners insurance in that it covers your personal property, liability and some structural elements of your home. However, condo insurance is commonly described as "walls-in coverage," as it offers limited protection for damage to the building that occurs outside your condo. You can purchase condo insurance whether you're renting a property or buying a condo.

Depending on the level of coverage you'd like, you can purchase a condo insurance policy in Florida for either the actual cash value or replacement cost of your dwelling and property. A replacement cost policy is more expensive, as it pays to replace any damaged items, up to your policy's limits, without accounting for depreciation.

Condo insurance policies can be customized to your needs and risk profile, and most policies come with the following coverage options.

• Dwelling coverage: Your policy's dwelling coverage generally includes damage to all items that are permanently affixed within your condo but not covered under your association's policy. This can include elements such as your walls, flooring and countertops. Dwelling coverage can also cover any alterations or improvements you've made to the condo.
• Personal property: This provides coverage if your belongings are stolen or damaged, either while inside your condo or outside the premises. Personal property coverage includes a wide variety of items, including clothing, furniture, technology and other home furnishings.
• Loss assessment: Any damage to or within common areas are partly your responsibility as a condo owner. While the condo association should have an insurance policy, you may need to cover any costs that exceed its limits. By Florida law, your condo insurance policy must include at least $2,000 of loss assessment coverage, which can be used to pay for losses that exceed your association's policy limits.
• Personal liability: If somebody files a lawsuit against you claiming injury or property damage, your personal liability coverage would help cover your defense costs and pay for damages. For example, if a friend slipped in your condo and fractured a bone, this coverage would provide protection in case your friend sues. You can also typically purchase liability coverage for your pet, in case they injure or bite someone. However, not every insurer will cover all pets, so ask about this when getting a quote.
• Loss of use: If your condo is damaged badly enough that you're unable to inhabit it for a period of time, loss of use coverage will help pay for lodging, food and other extra expenses you incur. The limit for this coverage may just be a percentage of your personal property limit, so it's good to confirm this detail when buying a policy.