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Condominium/Co-Op Insurance - Manhattan & Westchester County, NY, Fairfield County, CT & New Jersey

Owning a condominium or co-op gives you all the comforts of a house without the responsibilities that comes with home maintenance and repairs, landscaping, and taking care of day-to-day outside wear and tear. Whether it’s your primary residence, a second property in the city or on the shore, or a place to retire, you need to protect the dwelling, its contents, and your assets with condominium and co-op insurance.

At A.J. Benet, we provide comprehensive condo & co-op insurance to customers throughout Manhattan and Westchester County, New York; Fairfield County in Connecticut; and New Jersey. Our insurance product is somewhat like homeowners insurance but is specifically designed for the needs of condo or co-op owners.

Why is this coverage necessary when your condo or co-op association carries coverage?

While your association most likely has a master policy in place that insures common areas of use, as well as the walls of your unit, and perhaps even your floor and ceilings for some damage, the policy doesn’t insure your belongings. Additionally, an association policy typically does not cover improvements you make to your unit, such solid core doors, upscale cabinetry or closets, etc.

For your personal belongings and any part of the interior structure not covered by the association’s policy, you need condo & co op insurance. This policy normally covers damage to or loss of your property from risks such as fire, theft, smoke, broken pipes, and other common risks. If you want to include fixtures, such as cabinets or lighting, you often can upgrade your policy with an endorsement, which allows you to include items that are excluded from a basic policy.

Your personal liability is also insured with condo & co-op insurance, meaning the costs and legal defense expenses as a result of a claim against you for bodily injury or property damage are part of your policy. We can also secure coverage for loss-assessments on unit holders in cases where the condo or co-op association is found liable for an injury claim that exceeds the master policy’s limit of liability payment.

Whether you own a condo or co-op, count on comprehensive insurance coverage from A.J. Benet.

We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page.

Since 1964, A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.