I would suggest talking to your insurance company as well as the homeowners association to figure out what your best course of action would be. Obviously you would want to go with the option that provides you the coverage you need. If you can do that and save money at the same time, you should try that. That way you won't have to settle for one over the other. Either way though, talking to the different organizations you have to work with will be the best way to get to where you need to be.
B - Everybody's " up against it " this year for insurance that's
affordable! A Savy Broker help's but there are some points to
remember with HO6 policies that "tighten-up" on all the Sales
Puff . 1 You are only looking for " walls-in" replacement value
coverage. Not Appraised value or Assessment value.
2. Be realistic about the value of your contents.
3. Get information on the Associations "Master Policy"
to include info on recent "mitigation " inspections/repairs!
4. Be accurate on the Sg. footage of your unit
Make sure you have sure "water Damage " protection on any policy
you are considering!!!
After putting this together - Shop around. Contact me directly I'll share some
Bob Brubaker Highlight Realty Palm Beach County Fl. 561-876-6649... more