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Have you recently bought a new condo in Webster Groves, MO? While you might be excited about getting moved in and settling into your new home, there are some steps you need to take to ensure that you keep your new space safe. Here at Travers Insurance, we have three ways that you can keep your condo secure.

3 Ways to Keep Your Condo Secure

1. Check Locks and Access Cards

When you first move in, go around the unit and check that all of the locks are in working order. Find out how the security codes in your building work, especially if you need to provide temporary codes for deliveries or for a dog walker to enter your home when you are away.

2. Condo Insurance

Condo insurance can provide an extra layer of security in case your condo or belongings are damaged while you reside in your new home.

Unprecedented natural events can occur and cause your unit to crumble, and knowing that your repairs will be covered can help you focus on keeping yourself, your pets, and your family safe instead of worrying about your home.

3. Make Valuables Less Accessible

If you were a thief, how would you decide what was worth stealing in your condo? Move the family jewelry to a safe, and be on the lookout for boxes that you’ve labeled in a way that advertises that there might be something worth stealing inside. 

Also, be aware that if you collect items and place them on display, it’s likely they will be stolen first, so be sure to have an alarm installed as a deterrent. 

Contact Us Today!

Do you want to learn more about condo insurance in Webster Groves, MO? Contact Travers Insurance today to learn more!

Condo insurance is similar to homeowners, with one key difference. There will be a master condo insurance policy that the association purchases and the individual policy that you will obtain are separate. 

Condo Insurance: What You Need To Know

The areas that the master insurance covers will vary according to the selected terms, and it’s important to inquire about this before supplementing this coverage. Typically, it will extend to the roof, exterior walls, and all common areas so that you are responsible for the protection of your own unit. Your Travers Insurance agent can go over the particulars of your policy to let you know exactly what would be included. 

In the greater Webster Groves, MO community, the master coverage is required by law and will usually come out of your condo association dues. In contrast, your own indemnification is not a legal mandate. Your lender will usually compel you to have this protection, however. 

Covered perils are generally extended to events related to the weather, such as wind storms, lightning strikes, power surges, and damage caused by snow. 

You can experience water damage due to heavy rains when the roof leaks or your condominium could experience a fire that razes it to the ground. Your property can be in need of repairs or replacement due to smoke exposure or saturation by a sprinkler system.

In addition, your personal belongings, such as electronics, clothing, and jewelry should typically also be protected. Theft can sometimes be an issue, as can vandalism, and people hurting themselves on your premises should all fall under the purview of your coverage. 

Travers Insurance Wants to Help

We specialize in providing Webster Groves, MO residents with the various insurance coverage they need, including condo indemnification. We invite you to contact us to discuss your specific situation, and you can call us by phone, reach us online, or stop in at our office.