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Condos

[important title=Complete Protection for Your Condominium]Heartland understands that as the owner of a condominium unit, your insurance needs are different from other homeowners. Chances are your association purchased a master policy to cover common areas like the exterior building and walkways. But you are responsible for insuring your individual, personal interests within your unit. You need both personal property and liability insurance.

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Heartland Condominium Policy Protects:

  • Furniture
  • Clothing
  • Appliances
  • Personal Belongings - no matter where they are used
  • Personal Liability - which protects you against a claim or a lawsuit if someone is injured or their property is damaged while in your condo
  • Cost of Common Property Loss - assessed by the condo association of all unit owners.

Unmatched Selection of Coverage Options:

  • Contents Replacement. Provides full replacement cost for personal belongings with no deduction for depreciation.
  • Personal Injury. Protects you against libel and slander.
  • Identity Theft Protection. Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
  • Valuable Items Plus Endorsement. Provides a blanket of coverage that is broader than what a basic Homeowners policy provides. It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
  • Personal Articles Floater. Provides even more comprehensive coverage than the Valuables Items Plus endorsement. It is the right coverage for people who wish to protect items that have been carefully selected and whose values exceed the limits of either the Condominium policy or the Valuable Items Plus endorsement.
  • Umbrella Policy. Offers an additional $1 million to $5 million of liability protection.
  • Flood Coverage. Flood damage is typically not covered under a homeowners policy. This affordable coverage covers damage to your property and provides cleanup reimbursement.
  • Pleasure Boat Insurance for small watercrafts.

We'll Be There When You Need Us

  • Fast, efficient claim handling around the clock, 365 days a year
  • After-hours emergency response team can be on site within hours of a serious loss
  • Important tips on how protect your home
  • Catastrophe response team that is on call and on site within hours of a disaster. It includes our most highly trained claim professionals, wireless technology and a fleet of self-contained mobile claim offices

Get Maximum Value with Competitive Pricing and Money-Saving Discounts

Heartland Condominium Insurance is competitively priced. We offer great value with many money-saving discounts:

  • Claim free discount (available in most states)
  • Security discounts for homes equipped with:
    • Smoke detectors
    • Dead bolts
    • Fire extinguishers or alarm systems.

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Why Heartland?

 

We Do Business Your Way:

We Work For You!

Our Loyalty is to YOU! With over 100 carriers to choose from, we ONLY recommend the best valued company that fits your needs and your budget.

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