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5 Things you Should Know About Condo Insurance

Condo insurance can be tricky to navigate. the nature of insuring a box within a box can be difficult and legally fraught.  Here are some things to check and keep in mind as you navigate the NY condo insurance world.

  • Check your master policy: Obviously you don’t own the entire complex, but its important to know what you do own. You may own your unit, is it an “all four walls” type of policy? Also, how is the rest of the condo insured. The condo association ought to have some type of commercial coverage on the shared space. If your unit is covered merely “all four walls” then you may need more coverage. If you’re covered “all in” by your condo’s master plans, then you’re in less need of coverage.
  • The association deductible: This is the deductible you will have to pay on your condo if there are damages. It is built into the condo’s master policy.
  • Cash value or replacement coverage: There are two types of coverage for compensation. One being replacement in full and the other providing a cash value sum for your condo. Cash value leaves you with less overall coverage but lower premiums.
  • What are you insuring: You want to insure both the contents of the home and the internal structure, such as the flooring and cabinets.  Try to do both.
  • Flood and Storm: These are two incidents not often covered by insurance. See if you need this type of coverage in your area.

Personal Insurance

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Personal Insurance Coverage to Suit Your Needs


Personal Insurance Coverage from Kenneth Bieber, Inc. provides comprehensive protection for individuals and property. Since 1962, Kenneth Bieber, Inc. has negotiated with insurance companies to secure the most effective personal insurance coverage at the best rates. As an independent insurance agency, we maintain relationships with leading personal insurance providers. We’ll create a customized package for you that includes the exact coverage you need. We’re dedicated to providing professional, local attention at your convenience. Whether you’re looking to protect your automobile, insure your home, or increase your personal liability limits, you’ll find the most affordable and appropriate solution with our agency.

Custom Personal Insurance Plans


Personal insurance plans available through our agency include coverage for automobiles as well as many other types of vehicles. We can search our network of providers to insure motorcycles, RVs, antique cars, and even Jet Skis and snowmobiles. Our flexible homeowners insurance policies can cover primary residences, seasonal homes, and waterfront property. Individuals who lease their homes can also purchase condominium or renters insurance through our personal insurance plans. We can also work with clients to create policies that protect valuable possessions, safeguard against identity theft, or secure their personal assets.

An Independent Insurance Agency Committed to Your Protection


At our independent insurance agency, we make your satisfaction our number one priority. We’re always ready to help you save money on your personal insurance coverage through free quotes, multi-policy discounts, and many more deals. We are licensed in New York, New Jersey, and Connecticut. Our local experience in these three states allows us to find the most suitable coverage and provide the most relevant information in all of our client relationships. Our committed customer service and wealth of experience will help us protect what’s most important to you.


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Personal Insurance

Quote ME Now



Personal Insurance Coverage to Suit Your Needs


Personal Insurance Coverage from Kenneth Bieber, Inc. provides comprehensive protection for individuals and property. Since 1962, Kenneth Bieber, Inc. has negotiated with insurance companies to secure the most effective personal insurance coverage at the best rates. As an independent insurance agency, we maintain relationships with leading personal insurance providers. We’ll create a customized package for you that includes the exact coverage you need. We’re dedicated to providing professional, local attention at your convenience. Whether you’re looking to protect your automobile, insure your home, or increase your personal liability limits, you’ll find the most affordable and appropriate solution with our agency.

Custom Personal Insurance Plans


Personal insurance plans available through our agency include coverage for automobiles as well as many other types of vehicles. We can search our network of providers to insure motorcycles, RVs, antique cars, and even Jet Skis and snowmobiles. Our flexible homeowners insurance policies can cover primary residences, seasonal homes, and waterfront property. Individuals who lease their homes can also purchase condominium or renters insurance through our personal insurance plans. We can also work with clients to create policies that protect valuable possessions, safeguard against identity theft, or secure their personal assets.

An Independent Insurance Agency Committed to Your Protection


At our independent insurance agency, we make your satisfaction our number one priority. We’re always ready to help you save money on your personal insurance coverage through free quotes, multi-policy discounts, and many more deals. We are licensed in New York, New Jersey, and Connecticut. Our local experience in these three states allows us to find the most suitable coverage and provide the most relevant information in all of our client relationships. Our committed customer service and wealth of experience will help us protect what’s most important to you.