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Functions of Your Condominium Governing Board

If you’re a condominium owner, you need insurance that meets your needs to protect your home. If your condo is damaged by fire or vandalism, you’ll want to know that your assets will be covered. At America’s Top Insurance, residents of Gahanna, OH can depend on our professionals to give you suitable insurance options to meet your needs.

What You Need To Know

If a Homeowner’s Association governs your condominiums, you may want to understand the role of that group and what the group members do. The Homeowner’s Association is responsible for devising a budget sufficient to repair capital items without declaring a special assessment. The association must have property and liability insurance reserved for each property owner. 

The Association is responsible for insurance for any individual entrusted to write checks or conduct electronic transfers with Association funds. If all the officers of the Association have the power to disperse funds, then each must be covered by liability insurance by the Association. The Association is required to document all expenses paid in records that any owner can view. 

Your Homeowner’s Association is responsible for the maintenance of all the parts of the property shared among the buildings. They will be responsible for the actions taken to achieve that maintenance. Although they can’t access an owner’s unit without permission, a representative of the Association can enter someone’s property if they believe them to be at risk of danger to themselves or their property. 

Consult With Us

Protecting your home and its assets is a concern all condominium owners share. At America’s Top Insurance in Gahanna OH our priority is to provide you with a choice of coverage from the insurers we represent. Call us today to allow us to work with you to find the right insurance for you. 

Who needs to get a condo insurance plan in Ohio?

Being a condo owner can be a great housing option for a lot of people in the Gahanna, OH area. If you are an owner of a condo in this region, you will enjoy the consistency of home ownership without having the same responsibilities when it comes to maintenance and repair. Along with a condo, you will need a condo insurance plan for various reasons. 

Those with Mortgages Need Coverage

A common situation when you will need to maintain a condo insurance plan is when you have taken out a mortgage. Condos have continued to increase in value throughout the state of Ohio. Because of this, financing them with a mortgage is quite common. In virtually all cases, you will be obligated to carry insurance on your condo. If you have continued to carry a condo insurance plan, you will be in good standing with such requirements. 

Association Requirements

You will also need to get a condo insurance plan so you can meet any association requirements. If you have decided that you want to buy a condo, you will likely be part of a larger condo association. In all cases, there will be association rules that need to be met, and requiring owners in the association to have a condo insurance plan is common. Maintaining this coverage will ensure you remain supported at all times. 

We Can Help!

It is always highly recommended for individuals in the Gahanna, OH region to obtain condo insurance if they own a condominium in the area. When seeking comprehensive coverage, reaching out to our team at America’s Top Insurance is an ideal option. There are many options to explore when looking for condo insurance, and our knowledgeable team at America’s Top Insurance can assist you in building a new plan to suit your specific needs.

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