Condos & Townhouses
Landlords & Rental Properties

Did you know? Depending on your property situation, your insurance will cover part or all of your property—maybe even everything in it. But it can also cover accidental injuries to others and related medical payments—and even additional living expenses due to a fire or a similar issue.

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Homeowners Insurance

Your homeowners insurance can cover damage to your home or personal assets due to a number of problems, including:

  • Accidental water or steam damage
  • Explosion or volcanic eruption
  • Vehicles or falling objects (including aircraft)
  • Windstorm or hail
  • Smoke, fire, or lightning
  • Freezing, snow, sleet, or ice
  • Riots or other civil disturbances
  • Sudden accidental electrical or structural damage
  • Theft, vandalism or malicious mischief

What’s NOT covered

In most cases, homeowners insurance does NOT cover a number of issues, including:

  • Flood and earthquake damage
  • Water damage or mold (not due to an accident)
  • Neglect, normal wear and tear, or intentional damage
  • Termites and other pests
  • Pet damage
  • Tree Removal
  • War, nuclear hazard, or governmental action

Renters Insurance

Your renters insurance covers your personal property, including:

  • Clothing
  • Electronics
  • Furniture and home decor
  • Art and jewelry
  • Kitchen items
  • Bicycles and fitness equipment

Renters insurance can cover you in all of the same situations as home insurance does, PLUS:

  • Debris removal
  • Identify theft
  • Lock replacement
  • Spoiled food due to power outage
  • Temporary repairs

What’s NOT covered

In addition to the applicable conditions not covered by homeowners insurance, renters insurance generally does NOT cover:

  • Building structure
  • Permanent fixtures (stoves, appliances, etc.)
  • Personal property of a roommate
  • Accidents in common areas
  • Home business liability

Condo Insurance (HO-6)

Condo insurance is very similar to homeowners insurance in what’s covered. In addition to your belongings, condo insurance covers your unit’s walls, floors, and ceilings, as well as renovations you’ve made since purchasing.

What’s NOT covered

Condo insurance is also similar to homeowners insurance in what isn’t covered. Everything outside of your unit—the exterior walls and roof, shared spaces, elevators, swimming pools, and the like—are typically covered by a “master” homeowners association (HOA) insurance policy. Understanding your HOA’s insurance coverage is crucial to understanding what you need from your condo insurance.

  • “All-in” coverage. Includes the building exterior and some interior elements, including appliances, carpets, plumbing, and wiring.
  • “Bare walls” coverage. Does not include anything within your unit’s walls, but may still cover plumbing and electrical systems.

Landlord & Rental Property Insurance

Rental property insurance (or landlord insurance) covers risks associated with renting any property to others. It can provide financial protection in the event your property is damaged, or someone is injured on your property. Your policy can include:

  • Dwelling coverage. Physical damage to the building caused wind, fire, hail, or other common problems listed in your policy.
  • Liability coverage. Protects you financially from legal liability and legal fees for medical bills or property damage related to the rental property.
  • Personal property. Protects your items used by tenants at your property (furnishings, appliances, lawnmowers, etc.).
  • Loss of rental income. Time lost due to a fire or a similar problem listed in your policy.

What’s NOT covered

Landlord and rental property insurance generally does NOT cover:

  • The property of your tenants
  • General maintenance and equipment failure
  • Shared property (such as renting a room out of the property you live in)
  • Flood and earthquake damage

We work with our partners to find the right insurance coverage at the best price available—customized to fit YOUR needs. Contact us to get your quote.

Homeowners Insurance Coverage

Dwelling Coverage
Rebuild your house if it’s damaged or destroyed
Other structures coverage
Detached structures (e.g. garages, decks, sheds, fences) up to 10% of dwelling coverage
Personal property coverage
50% to 70% of dwelling coverage
Personal Liability Coverage
$100,000 to $500,000
Medical Payments
$1,000 to $5,000
Additional Living Expenses
20% of dwelling coverage

Additional Renters Insurance Coverage

Car Theft
May cover property in the vehicle when it was stolen
Pet-related Issues
Dog bites and damage to another person's property
Storage Unit
Up to 10% of your personal property limit

Additional Landlord & Rental Property Insurance Coverage

Vandalism & Burglary
Damage to your property and certain equipment
Vacant properties not ready for tenants
Building Codes
Repairs and updates to make your property compliant with new codes

ACT NOWGet a Homeowners Insurance or Renters Insurance Quote from a Licensed Insurance Broker

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Axxcess Insurance is a family-owned, independent agency that has served Western New York since 1977 with Taxi, Auto, Home and Business Insurance. We are dedicated to protecting the needs of our customers. Our friendly staff can assist you in finding your best insurance values at fair and affordable rates.