Why Cape May County residents need condo insurance
Cape May County's beach condos carry unique HO-6 needs, since shore master policies and named-storm deductibles often leave significant gaps for unit owners. Condo insurance, an HO-6 policy, covers what your association's master policy doesn't: the interior of your unit, your belongings, your personal liability, and often the gap your master policy's deductible leaves. The master policy typically covers the building structure and common areas, but everything from your walls inward is your responsibility.
What condo insurance covers in Cape May County
An HO-6 policy generally includes dwelling (walls-in) coverage for your unit's interior, fixtures, and improvements, personal property for your belongings, personal liability if someone is injured in your unit, and loss assessment coverage, which helps pay your share when the association levies a special assessment after a covered loss. Reviewing your association's master policy is the key to sizing it right.
Sizing the right coverage in Cape May County
The right HO-6 coverage depends on what your association's master policy covers, which varies widely. A "bare walls" master policy leaves much more to you than an "all-in" one. We read your master policy with you to size walls-in coverage correctly and set loss-assessment coverage high enough, since a large special assessment can otherwise hit you directly.
Working with a local Cape May County agent
As an independent agency, Kevin Brown Insurance Agency compares multiple highly-rated carriers rather than pushing one company's products. Serving Ocean City, Wildwood, and Sea Isle City and all of Cape May County, we explain your options in plain language and place coverage correctly the first time.