by Guest » Tue Jun 12, 2007 03:40 am
Many individuals think that since the association owners have purchased insurance on the association they don't need insurance to protect their home. While it is true that the association owner will cover if your condo roof flies off, it will, however, not cover damage to any item inside your condominium. So, you need to get a separate coverage for your own safety.
What does HO-6 insurance cover?
A typical condominium insurance covers damage to your condominium, your belongings from perils like lightning, explosion, hail, windstorm, fire, civil disturbance, vandalism, theft, damage from falling objects, aircrafts or other vehicles and smoke.
How much condo insurance do you need?
To be able to determine how much condo insurance you need you must make a checklist of things you have to insure. You can begin by reading the master policy for the association. By reading the master policy you can find out what it covers and how much your condominium will be protected in case of any damage.
You can make a list of the things you would be responsible for like the flooring of your condo or the wall coverings, the plumbing fixtures, cabinets, any built-in appliances, lighting fixtures and any improvements made to your condo. Take some time out to add everything up to get an idea of home much condominium insurance you need.
Making a list of the personal property that you own would be a good idea to assess properly the amount of insurance you need to buy. Ask your agent for a content replacement option and how much it would cost you. Set your personal liability at a high limit to get a good amount of coverage. You could do the same for 'Loss Assessment' to cover you for big losses.
You can make a list of the things you would be responsible for like the flooring of your condo or the wall coverings, the plumbing fixtures, cabinets, any built-in appliances, lighting fixtures and any improvements made to your condo. Take some time out to add everything up to get an idea of home much condominium insurance you need.
Making a list of the personal property that you own would be a good idea to assess properly the amount of insurance you need to buy. Ask your agent for a content replacement option and how much it would cost you. Set your personal liability at a high limit to get a good amount of coverage. You could do the same for 'Loss Assessment' to cover you for big losses.
What you need to know before buying condominium insurance?
Master policy: Go through your master policy for the condominium to find out how much you are covered under that policy. Based on that you could assess what you need to cover to protect your condominium and your possessions from any damage due to a peril.
Deductibles: There is usually an association deductible in condominium insurance. So in case of a disaster be prepared to pay the deductible that will be divided amongst the unit owners.
Coverage required: Determine what you need to cover in your condominium and based on that draw up an assessment of the amount you need to invest in insuring your property.
Cash value or replacement cost: Find out which one you are opting for. A cash value will give you only the current value of an item minus the depreciation costs while a replacement cost would offer the total cost of replacing the item.
Interior structure and contents: Your association will not cover your personal property and the contents inside your condominium. You need to purchase coverage for the structure of your home and the contents inside your condo separately.
Flood and wind coverage: Make sure you buy flood if you live in a flood prone zone. Wind coverage is generally included in a typical policy.
Deductibles: There is usually an association deductible in condominium insurance. So in case of a disaster be prepared to pay the deductible that will be divided amongst the unit owners.
Coverage required: Determine what you need to cover in your condominium and based on that draw up an assessment of the amount you need to invest in insuring your property.
Cash value or replacement cost: Find out which one you are opting for. A cash value will give you only the current value of an item minus the depreciation costs while a replacement cost would offer the total cost of replacing the item.
Interior structure and contents: Your association will not cover your personal property and the contents inside your condominium. You need to purchase coverage for the structure of your home and the contents inside your condo separately.
Flood and wind coverage: Make sure you buy flood if you live in a flood prone zone. Wind coverage is generally included in a typical policy.
Related reading:
- Home owners insurance for condominium and single families
- Do you need more insurance than the master policy for a condo?
- Why do you need condo insurance?
I have a question about ho-6 insurance. I need to purchase an ho 6 insurance policy which will, among other things, cover replacement cost for internal real property (drywall, wall coverings, carpet, window treatments, etc.). What's the rule of thumb on how much coverage to get for internal real property? The purchase price of my condo was $115k.
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Posted: Mon Feb 11, 2019 05:55 pm Post Subject:
i own a condo on staten island. we are close to the water and we do not have a master policy since storm sandy. iwas just made aware that you cannot sell your condo, only for cash) if you do not have a master poicy. who determines the cost of the policy, a government agency or ?
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+ tens of thousands of negative reviews about you and your website from angry people for aggressive web and email spam
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+ Thousands of angry complaints from angry people will come to your mail and messengers for sending you a lot of spam
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All of the above will result in blocking your domain and hosting account for life. The price of your peace of mind is 0.5 BTC.
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How do I do all this to get this result:
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And everyone will not care that it is not you.
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And then send out abusive messages with the address of your site.
3. I will do aggressive spam on blogs, forums and other sites (in my database there are 35 978 370 sites and 315 900 sites from which you will definitely get a huge amount of abuse) of your site ampminsure.org.
After such spam, the spamhouse will turn its attention on you and after several abuses your host will be forced to block your account for life.
Your domain registrar will also block your domain permanently.
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The price of your peace of mind is 0.5 BTC.
Otherwise, I will send your site through tens of millions of sites that will lead to the blocking of your site for life and you will lose everything and your reputation as well.
But get a reputation as a malicious spammer.
My bitcoin wallet:19ckouUP2E22aJR5BPFdf7jP2oNXR3bezL
Posted: Sun May 26, 2019 02:13 pm Post Subject: Abuse and lifetime blocking of the site - ampminsure.org.
Hey. Soon your hosting account and your domain ampminsure.org will be blocked forever, and you will receive tens of thousands of negative feedback from angry people.
Pay me 0.5 BTC until June 1, 2019.
Otherwise, you will get the reputation of a malicious spammer, your site ampminsure.org will be blocked for life and you will be sued for insulting believers. I guarantee this to you.
My bitcoin wallet:19ckouUP2E22aJR5BPFdf7jP2oNXR3bezL
Here is a list of what you get if you don’t follow my requirements:
+ abuse spamhouse for aggressive web spam
+ tens of thousands of negative reviews about you and your website from angry people for aggressive web and email spam
+ lifetime blocking of your hosting account for aggressive web and email spam
+ lifetime blocking of your domain for aggressive web and email spam
+ Thousands of angry complaints from angry people will come to your mail and messengers for sending you a lot of spam
+ complete destruction of your reputation and loss of clients forever
+ for a full recovery from the damage you need tens of thousands of dollars
All of the above will result in blocking your domain and hosting account for life. The price of your peace of mind is 0.5 BTC.
Do you want this?
If you do not want the above problems, then before June 1, 2019, you need to send me 0.5 BTC to my Bitcoin wallet: 19ckouUP2E22aJR5BPFdf7jP2oNXR3bezL
How do I do all this to get this result:
1. I will send messages to 33 000 000 sites with contact forms with offensive messages with the address of your site, that is, in this situation, you and the spammer and insult people.
And everyone will not care that it is not you.
2. I’ll send messages to 19,000,000 email addresses and very intrusive advertisements for making money and offer a free iPhone with your website address ampminsure.org and your contact details.
And then send out abusive messages with the address of your site.
3. I will do aggressive spam on blogs, forums and other sites (in my database there are 35 978 370 sites and 315 900 sites from which you will definitely get a huge amount of abuse) of your site ampminsure.org.
After such spam, the spamhouse will turn its attention on you and after several abuses your host will be forced to block your account for life.
Your domain registrar will also block your domain permanently.
All of the above will result in blocking your domain and hosting account for life.
If you do not want to receive thousands of complaints from users and your hosting provider, then pay before June 1, 2019.
The price of your peace of mind is 0.5 BTC.
Otherwise, I will send your site through tens of millions of sites that will lead to the blocking of your site for life and you will lose everything and your reputation as well.
But get a reputation as a malicious spammer.
My bitcoin wallet:19ckouUP2E22aJR5BPFdf7jP2oNXR3bezL
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