Coverage A: Dwelling

Dwelling coverage protects against damage to the interior of your unit where the master policy leaves off. Items such as your kitchen cabinets, paint, and flooring may be covered under this coverage.
Edison Insurance - Coverage A - Dwelling Coverage

All About Dwelling Coverage

Speak to your agent and condo association to obtain an understanding of what may or may not be covered in your condo unit. Shared items such as roofs, windows, and balconies may be covered by the condominium’s insurance policy, however, this is not always the case and you need to select the proper coverage in the event of a loss.

Typically, a condo policy covers structural items inside your condo unit such as paint, flooring, cabinets, crown molding, etc. When you remodel or upgrade your living space, it is a good idea to review your condo policy to insure the proper coverage is in place.

What's covered?

Coverage A can cover most common events, such as:
Fire or smoke
Water damage caused by burst pipes
Weight of ice, snow, or sleet
Impact by aircraft or land vehicle

How much Coverage A do I need?

The Coverage A limit of a condo policy is determined by the cost to rebuild the home at today’s prices in the event of a covered loss. Factors such as building cost, materials, and labor factor into the Coverage A limit at the time the policy is purchased.

Coverage A limits are not to be confused with market value calculations or real estate pricing as these numbers are often arbitrary and based on what someone is willing to sell or buy a home.

To determine the right amount of Coverage A limits you need, consider the materials used in your kitchen, flooring, bathrooms, etc. then talk to your agent to obtain additional resources and information.

Coverage options for every possibility.

We understand that every customer is unique, so we offer many additional types of coverage for you to choose from.

We approach condo insurance from all angles.

At Edison Insurance, we offer condo insurance policies with the comprehensive coverages you can count on when you need it most.
Edison Insurance - Coverage C - Personal Property

Personal property

Coverage for your personal belongings like furniture, clothing, jewelry, and electronics.
Edison Insurance - Coverage D - Loss of Use

Loss of use

Coverage for expenses like renting an apartment while your condo is rebuilt.
Edison Insurance - Coverage E - Personal Liability

Personal liability

Coverage against medical bills and legal fees if someone happens to be injured on your property.