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Condo Owner’s & Renters Insurance

Westchester County and Putnam, NY

McCarthy Insurance provides comprehensive renter insurance and condo owner insurance coverage to individuals and families in Westchester and Putnam, New York.

The standard (HO-4) Renter policy is similar to the contents section of the homeowner policy (see home owner policy checklist).

Condo Owner’s Insurance

Important Things to Remember About Condo Insurance!

Where does the Master Policy coverage end and the unit owner’s coverage begin?

Here is a condo owners insurance checklist to help you determine which items are covered by the condo association’s master policy and your own condo unit policy. Review each item below against your current policy to see if there are gaps or problems in coverage:

  • Common area liability
  • Foundation
  • Framing
  • Roof and roof shingles
  • Interior partitions
  • Deck
  • Patio
  • Rough electrical
  • Finished electrical
  • Interior light fixtures
  • Rough plumbing
  • Bathroom fixtures
  • Kitchen cabinets
  • Sheetrock
  • Wall finish/paint
  • Upgrades to originally issued condo; finishing of basement area

Don’t wait until you have a claim to find out what’s covered and what’s not!

Start the process now...

Renter’s Insurance

Unfortunately many people don’t consider renter insurance until they experience a loss. Don’t get caught off guard! As a renter you need to protect your personal property and assets.

Two biggest misconceptions of renters insurance:

1) My personal contents are insured by my landlord's policy

2) I don't own my own house, so I don't need personal protection

Start the process now...

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Contact Us

McCarthy Insurance
378 Elwood Avenue
Hawthorne, NY 10532
Phone: (914) 769-0417

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