Your First Stop for Westminster Condo Insurance
Insuring your Westminster condo should be quick, no-fuss and great value.
If those things matter to you, you need look no further than Kirby
Insurance, We've been here, helping to protect home owners and renters in
Maryland for more than 85 years.
And because condo insurance needs to dovetail with state by-laws as well as
local and home owners association (HOA) rules, you need to rely on an agent
with experience and expertise in Westminster condo insurance.
First: A Key Question to Ask
When you're taking out condo insurance, or HO6 insurance as it's sometimes
called here in Westminster, there's an important question to ask: What
coverage does my condominium association or HOA already have?
That's important because 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.
Don’t have the time to check your association rules and master policy?
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 HO-6 policy might protect certain,
original internal features. It could be wide-ranging in scope or a basic
What Does Westminster Condo Insurance Cover?
A standard condo insurance policy in Westminster usually offers the
- Liability coverage for injury or damage to people (and their property)
when they visit your Westminster home. This might seem a distant
possibility, but if someone trips and falls or your dog nips them while
they're visiting, 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.
You can 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 living costs if you're displaced while repairs are done or
alternative living arrangements are put in place.
You can supplement this for your Westminster condo with extra protection
- Electronics, jewelry and other high-value items. Kirby's Westminster
condo insurance experts will advise you 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 Westminster Condo Insurance
When you need the best protection for your condo in Westminster 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 secure great discounts, and we constantly monitor rates
to ensure our clients always get best value.
Furthermore, we're right here in Westminster, to answer your questions.
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 speedy settlement.
Why You Should Act Now to Insure Your Westminster Condo
Westminster 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 Westminster condo. Just ask us -- for free and without obligation.
We're here for you.