AARP Condo Insurance

Your condo is more than a place to live. It's your home, filled with your valuables and even your loved ones. You want the best protection possible for these things. If you decide to purchase an AARP condo insurance plan, it's important to know all that it covers. AARP's condo insurance plan will cover your unit for damages from fire, theft, and vandalism. It will also cover weather damage, such as from high winds. Other problems such as accidental damage or damage caused by burst pipes in the heating/cooling system are insured under your AARP condo insurance plan. Don't forget to keep in mind what isn't covered by a standard condo insurance plan. Damage from flooding, mudslides, nuclear hazards, earthquakes, rodents, or insect infestation are not covered. AARP condo insurance can cover your personal items such as furniture, electronics, or jewelry, and personal liability, which protects you if anybody tries to bring a claim against you due to personal injury or property damage within you unit (this can include residents of the unit). AARP also offers coverage for loss of use, which is when your condo becomes uninhabitable and you have extra costs associated with temporarily living elsewhere. It also insures you if anyone (who isn't a resident) gets hurt while in your condo and you need to cover their medical expenses.

Condo insurance can be expensive, but you there are savings opportunities out there, if you know where to look. For example, if you're in the market for auto insurance, you can package your auto and condo insurance jointly with AARP. This will provide you with discounts and reassurance that you'll be dealing with the same company for both policies, instead of multiple companies that may follow different procedures. Multi-policy discounts are among the easiest discounts to obtain if you mix two or more policies from AARP. Another chance to save on your AARP condo insurance plan and to improve the safety of your home, is to have fire, smoke, or burglar alarms installed. This can make you eligible to for further discounts on your condo insurance. Having a fire sprinkler system installed is a similar way to lower your condo insurance premiums. Finally, if you don't have any previous claims you might be qualified for a claims-free reduction. Negotiating with rival policy suppliers and being ready to walk if you're not being offered what you need, is essential for finding the most fitting insurance plan. Gather all of the information you can on your residence and claims history so that you're ready to negotiate for the best coverage at the right cost.

It's important that you review what is covered by your condo association's policy before you begin researching unit policies. Our recommendation is to look around and compare discounts and coverage you can get from different providers. To receive the most accurate quotes, you'll need to provide a fair bit of information. To be able to acquire a condo insurance quote from AARP you'll likely need the following: the name of your condo building, the move-in date, condo address, coverage start date, number of individuals residing in the condo, any business conducted on the premises, and if the condo is a primary or seasonal residence. You'll also need some basic information regarding your condo such as: year built, square feet, number of stories, security features, insurance history, fire security, and how much coverage you want for your condo. Good news - we can provide you with a personalized quote from AARP based on this information, including what discounts are applicable to you. Your job will be deciding if the coverage provided by AARP works for you.

You can file a claim online or call a broker from AARP. An agent will contact you ASAP after you submit a claim. Take steps to improve your claim; don't forget to consult a broker before discarding any damaged items and keep records of what you spent on repairs or replacements. Calling AARP immediately for the names of any witnesses is imperative. Cancelling your AARP condo insurance plan is hassle-free; you can easily cancel by calling AARP's Insurance Customer Service number or by emailing them at the address provided. Before cancelling your AARP condo insurance policy, we suggest looking at altering your insurance premiums. AARP might be able to accommodate you by switching from lump sum payments to smaller monthly payments.