Call Us Today:
800.724.2627 (Toll Free)
585.473.8000 (Local)

Condo Association Insurance in Rochester NY & Victor NY

Common Area and Liability Coverage for Jointly Owned Properties

People often choose condominium living for the convenience, community, and the ability to rely on a condo association to maintain everything outside of their home. While condo owners are responsible for insuring and securing their personal space and property, the association is responsible for all common areas. As such, it’s important for condo associations to have the right insurance policy to protect against exposures like structural damage or the increased liability faced by having a pool or fitness center.

Depending on your association’s bylaws and whether you’re overseeing a high-rise deep downtown or townhomes in the suburbs, your coverage demands may vary. Our agents at Paris-Kirwan Associates, Inc carefully consider these factors, along with legal guidelines, to craft an insurance policy that meets the needs of your condo association in terms of products, limits, and deductibles.

Coverage Options for Condominium Association Insurance

Your association should have a master policy that covers all of your common structures and property including buildings, hallways, elevators, and sidewalks. But a truly complete insurance package will often also include options like these:

  • General Liability: A standard inclusion with many types of insurance, this protects you against all types of accidents and incidents that can occur on your property
  • Directors’ and Officers’ Liability: This keeps your board from being held personally responsible for decisions they make while serving the association
  • Sewer and Drain Backup Coverage: Although it’s often critical to have, protection against sewage backup is often excluded in a standard association plan

As mentioned, your insurance needs will be determined by your association’s operational practices, governing rules, and type of property. We can help you sort through the details to find the right plan.

Doing Our Best for You

At Paris-Kirwan Associates, Inc, we not only understand how to build a secure condo association insurance policy, we shop a number of the nation’s top carriers to ensure you get the best rates available. Contact one of our agents today and let us go to work for you.

Our Locations

*Main Office

*Main Office

1040 University Avenue
Rochester, NY 14607
Main office: 585-473-8000
Toll free: 800-724-2627
*Main Office

Long Island Office

33 Self Service Road, Suite 121
Jericho, NY 11753
Main office: 516-750-9711

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.