Your First Stop for Baltimore Condo Insurance
When you're looking to insure your Baltimore condo, and great service
counts as much as great value, Kirby Insurance is right here in town for
As the city's home building boom continues apace, new and existing condo
and co-op property owners are increasingly calling on the experience and
expertise of our friendly team of specialists to put the right protection
in place for their needs.
First: A Key Question to Ask
When you're taking out condo insurance, or HO6 insurance as it's sometimes
called here in Baltimore, there's an important question to ask: What
coverage does my condominium or home owners association (HOA) already have?
You don’t want to be doubling up on protection that's already in place.
After all, you're probably paying for that coverage through your HOA fees.
So, you need to check your association rules and master policy, or bring
them in to us for an expert opinion.
Usually they cover the main building structure and common areas like pools
and gyms, but not inside your home.
In some cases though, a comprehensive HOA policy might protect certain,
original internal features. It could be wide-ranging in scope or a basic
What Does Baltimore Condo Insurance Cover?
A standard condo insurance policy in Baltimore usually offers the following
- Liability coverage for injury or damage to people (and their property)
when they visit your Baltimore home. This might seem a remote possibility,
but if someone trips and falls or your dog nips them, this could lead to a
- Personal property protection -- your stuff, including furniture,
clothing, TVs and other appliances against damage caused by fire,
vandalism, theft, windstorm and water leakage. Your personal possessions
are also covered while you're traveling with them.
Choose between the actual cash value of items at the time they're lost or
damaged, or the true cost of replacing them.
- The same level of coverage for the interior physical structure of your
home -- the walls, carpets, cabinetry and fittings for example. Outside
buildings, such as a garage, are usually included too.
- Temporary accommodation, food and other living costs if you're displaced
while repairs are done or alternative living arrangements are put in place.
You can supplement this with additional coverage for:
- Electronics, jewelry and other high-value items. Kirby's Baltimore condo
insurance experts will help you decide on this.
- Medical costs for an injured guest, even if you're not to blame for their
injury suffered in your condo.
- Top-up insurance to cover additional costs beyond the HOA's own policy
Why Kirby's Best for Your Baltimore Condo Insurance
When you need the best protection for your condo in Baltimore at a
competitive price, Kirby Insurance should be your first call. Here's why:
We're an independent agent working with all the leading insurers, which
enables us to shop around on your behalf for the best deal.
We often can also tell you how to get great discounts on your premium, and
we constantly monitor rates to ensure our clients always get best value.
Furthermore, we're right here in the heart of Baltimore's condo territory,
to answer your questions. Our experts are familiar with state, local and
HOA by-laws that relate to condo insurance
And we'll work by your side if you need to make a claim on your policy.
That can make a big difference to a quick and easy settlement.
Why You Should Act Now to Insure Your Baltimore Condo
Baltimore condo insurance costs way less than many people think -- often
starting from just a couple hundred dollars a year.
So, it's simply not worth taking the risk of a costly loss or injury,
especially when Kirby Insurance is right here in town to arrange speedy
coverage at a great price.
In fact, it'll cost you nothing to find out how little you'd need to insure
your Baltimore condo. Just ask us -- for free and without obligation. We're
here for you.