Owning a condo in the Lowcountry offers a unique lifestyle, but it also requires a unique insurance strategy. While your building’s association typically covers the exterior structure, the ‘walls-in’ portion—your renovations, personal belongings, and personal liability—is your responsibility. At Palmetto Group Insurance, we specialize in coordinating these policies so your private residence is thoroughly protected.
What Your Condo Policy Covers
- Dwelling/Additions: Coverage for the parts of the unit you own, including interior walls, flooring, cabinetry, and any recent upgrades.
- Personal Property: Protection for your furniture, clothing, electronics, and other valuables against theft or damage.
- Personal Liability: Shields your assets if someone is injured inside your unit or if you are found responsible for damage to another unit (e.g., a plumbing leak).
- Loss Assessment: Helps cover your portion of a special assessment if the association’s policy is exhausted by a major claim.
- Loss of Use: Provides for living expenses if a covered incident makes your condo uninhabitable during repairs.
Simple, Effective Management
We understand that you value your time. As an independent agency, we do the heavy lifting—comparing rates from top-tier carriers and ensuring your policy meets all lender and association requirements. We provide a streamlined experience that lets you enjoy your home with the confidence that the details are handled.