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Even if you bought a townhouse or garden-style condominium in Amityville, NY, you will need some form of home insurance. You will not have a traditional house policy, as you do not own the lot and in some instances, the physical structure of your home is actually owned by your homeowner’s association. Acme Insurance Brokerage can help you sort out exactly what kind of policy you will need.
Protecting the Parts that You Own
Your home or condo insurance will include all the parts of the building that you actually own. Your purchase agreement will indicate if you own the interior walls and floors, but not the exterior or roof. The deck and patio may not be part of public spaces. Even your garage may be considered a communal structure.
Your home insurance will protect your personal possessions, provide liability coverage for accidents that happen on your private property, and it may help cover the cost of a hotel if you need emergency housing.
The Condo Association Insurance takes Over where Yours Leaves Off
Just because you do not have insurance for the pool owned by the HOA, that does not mean that you are not protected when using it. Your condo association must carry property and liability insurance. So if you have a guest that is injured in the parking area, a claim would need to be filed with the HOA. Basically, part of your monthly fee also pays for the HOA portion of the home insurance traditionally carried by a property owner.
So, congratulations on your new home located in the Amityville, NY neighborhood! Acme Insurance Brokerage is available to help you find the home insurance policy that fully protects your single-family house or condo conveniently situated in a garden-style apartment building.
