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 you.

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 bare-walls policy.

What Does Baltimore Condo Insurance Cover?

A standard condo insurance policy in Baltimore usually offers the following protections:

  • 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 costly lawsuit.
  • 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 limits.

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.