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Colorado Insurance Blog

Does my Colorado renters insurance protect my expensive electronics and jewelry?

Colorado condo insurance is almost the same as homeowners insurance. The major difference is that a homeowners policy covers the entire physical building, while the condominium association is responsible for shared common areas. At Integrity First Insurance, we can help you assess your current level of protection so that you know if you have enough protection for your belongings.

What Does Colorado Condo Insurance Cover?

Basically, your condo insurance covers everything within the walls of your condo. That includes your large and small appliances, dishes and pots and pans, carpeting, window treatments, furniture, clothing, televisions, musical equipment and players, books, and other personal items. 

Your policy also provides liability protection in case someone is injured on your property. That protection includes dealing with the other person’s insurance and possible attorney fees if there is a lawsuit. 

Does That Mean Expensive Electronics and Jewelry Are Automatically Covered?

While electronics and jewelry are normally covered, you need to be careful about whether there are certain exclusions. Your policy is a contract and lists what kinds of items are covered and how much coverage you have. If your electronics and jewelry are disproportionately worth a lot, you may not have full coverage.

For instance, say you have a policy limit of $25,000, and you have $20,000 worth of personal items not including your electronics and jewelry. Then say that your electronics and jewelry are worth $50,000. You will come up short if your items are stolen or destroyed.

Consult With Us

You don’t want to find out the hard way that you don’t have the protection you need. At Integrity First Insurance, we can help to make sure that your policy limits are reasonable and help you look for an add-on policy if necessary. Call today if you have any questions. 

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