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SPECIALIZED COVERAGE FOR UNIT OWNERS.
IF YOU OWN A CONDOMINIUM, THIS PROGRAM IS TAILOR MADE FOR THE WAY YOU LIVE.
• Open Perils Coverage for your personal property and unit owner property - Our policies clearly state in
writing exactly what is excluded from coverage; losses from any other causes are covered. Most other policies provide coverage only for those causes actually listed. In addition, our policies
are written on a Replacement Cost basis meaning no reduction is made in your loss for depreciation. In effect, we replace old, with new.
• Building Code, Law or Ordinance Coverage - When your covered loss is made greater because of the building
codes, laws or ordinances which apply in your area, you will be paid for the additional costs incurred, up to the limit of liability, at no additional cost to you.
• One Blanket limit for all personal property and unit property - Includes: Permanent additions, alterations
and improvements; Property which is your insurance responsibility under a property owners agreement; Real property; Other structures on the premises.
• Home Computer Coverage - Computers and software are covered on a replacement cost, "open perils"
basis, including electrical damage and power failure.
OPTIONAL COVERAGES AVAILABLE INCLUDING SIGNIFICANT INSURANCE FOR YOUR SIGNIFICANT OTHER:
Here at FMI, we understand that who you share your life with is your business, protecting what you share is ours. So if you're a policyholder, we give you the
option of broadening coverage to include your current resident companion. Other options include:
• Home Business Endorsement - Our Unit Owners policy can be endorsed to include many home-based businesses.
• Increased Limits for Specific Property - Including items such as furs, jewelry, silverware, money, credit
card, computers and more. We even make it possible for you to insure certain items, such as fine arts, cameras, golf equipment and other property with specifically described values.
• Personal Excess Liability - Excess liability of up to $5,000,000 is available as an endorsement to the
Homeowners Policy. This coverage protects you when you are sued for a covered loss and the amount exceeds the liability limits of your primary policies, such as Unit Owners or Automobile.
• Special Coverage Enhancement Endorsement - Increases limits on jewelry and cash, includes sewer/septic
backup and sump pump failure and provides many additional coverages for you and your home.
"Condominium Unit Owners Program" (PDF file)
This 8 1/2 x 11 printable version of our brochure illustrates some
of the coverage highlights in our Program.
"Home Business Program" (PDF file)
This 8 1/2 x 11 printable version of our brochure illustrates some of the coverage
highlights of our Program. Homeowner and business coverage under one roof.
"Personal Excess Liability Program" (PDF file)
This 8 1/2 x 11 printable version of
our brochure illustrates some of the coverage highlights of our Personal Excess Liability Program.
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