Owning a condo requires specialized insurance, depending on the level of protection you’re seeking and the type of endorsement makes sense to you. Anytime you invest in a condo, understanding if your traditional condo insurance covers flooding and natural disasters is crucial. At Bogden Insurance Agency, serving Berlin, CT, we’ll work with you to find the type of policy that is suitable for your concerns, based on your location and the type of coverage you’re seeking.

HO-6 Coverage

For those who own a condo in Berlin, obtaining and maintaining personal condo insurance, or an HO-6 policy, is necessary to cover a range of damage that can be caused by common weather events. Some of the weather events covered with a standard condo insurance policy include:

• Windstorms and hail
• Fire and smoke
• Lightning strikes
• Explosions and certain types of water damage (to an extent)
• Weight of ice, snow, or sleet

Flooding

Unlike other incidents, flooding is not often covered with a traditional condo insurance policy, even if some water damage is protected. You’ll most likely want to purchase an additional flooding insurance plan via FEMA’s National Flood Insurance Program, or NFIP. We can assist you with this process to ensure your flood insurance policy is up to your standards of coverage and care.

Knowing your options when it comes to flooding and natural disasters as a condo owner is imperative, whether you’ve just invested in a condo for the first time, or you’re a long-time owner. At Bogden Insurance Agency, serving Berlin, CT, we’re well-versed in the arena of condo insurance and can help you find policy add-ons that protect you where you need it most. To learn more about your options with regard to natural disasters and flooding, contact us for your consultation today.