What comes standard
- Personal property
- Blanket Jewelry — Ideal for engagement and wedding rings
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Liberty Mutual coverage protects what your association's insurance doesn't, including your possessions, repairs to the inside of your unit, and liability claims brought against you.
Covers your personal possessions from theft or damage both inside and outside of your condo, like in your car and when you're on vacation or moving. Types of damage covered include:
- Certain types of weather
Protects you from loss up to your coverage limit if you accidentally damage someone else's property. This can include accidental injuries to others.
Covers appliances and alterations you’ve made to your condo, as well as other property you are responsible for under your condo association agreement like a shed or garage.
Provides special additional protection for all jewelry items under a single limit.
The initial amount you are responsible for before coverage kicks in. In most cases, this amount is simply deducted from your payout after a claim. For example, if your deductible is $500 and you have a $2,000 claim, you will receive $1,500.
The total amount that you pay for an insurance policy.
Actual cash value:
The current market value of lost or damaged property at the time of loss. This usually factors in depreciation.