Vanni Foundation >

Nesso Insurance Offers Condo Insurance in Milldale, CT

A condo unit may differ from a free-standing house in several ways, one of them being the type of insurance required. Still, it’s subject to the same potential threats, and…

May 2, 2023

Written by Justin Sloan

A condo unit may differ from a free-standing house in several ways, one of them being the type of insurance required. Still, it’s subject to the same potential threats, and you should protect it and your belongings with the proper coverage. You want to ensure that you select a reliable condo insurance policy to mitigate financial loss if something does happen. Nesso Insurance is here to help with that process.

We’re not an insurance company in Milldale, but a group of agents specialized in providing clients with the best advice and customized solutions to match their needs. We offer a broad range of products, including condo insurance with property insurance, liability insurance, loss assessment coverage, and living expenses coverage. Our team has years of experience and the knowledge to help you find the best protection for your condo. Fill out our form now to schedule a consultation.


What’s Condo Insurance, and How Does It Work?

Condo insurance, also known as “HO-6 insurance,” is a type of policy that specifically covers the personal property and liability of a person who owns a condominium. It protects the unit owner and their belongings from potential damages or losses.

Like other forms of coverage, condo insurance works as a contract between the insurer and the insured. In this contract, both parties agree to specific terms and conditions outlined in the policy. The policyholder must pay the agreed-upon monthly premiums for their coverage to remain in effect. If a covered loss occurs, the insurer will help pay for the repair or replacement of damaged items up to the policy limits. The specific coverage, premium amount, deductible, and maximum reimbursement of your policy may vary depending on your particular needs.

What Types of Damage Does Condo Insurance Typically Cover?

Nesso Insurance offers condo insurance policies that cover various perils, including fire and lightning, the weight of ice, snow, sleet, windstorms, and hail and vandalism.

Fire and Lightning

Fire and lightning are among the most important types of coverage in a condominium insurance policy. If a fire breaks out in your condo, this coverage will help you cover the cost of damages. It can also provide liability protection if someone gets injured due to the fire.

Weight of Ice, Snow, and Sleet

Another essential coverage provided by condo insurance is protection against the weight of ice, snow, and sleet. This coverage can help pay for damages to the condo unit’s interior and personal property that may be lost or damaged due to heavy snow or ice. Your provider may also include liability protection in the condo policy.

Windstorms and Hail

In addition, condo insurance policies typically cover windstorms and hail. Damages to your condo unit’s roof or exterior can be expensive to repair, but this insurance will lower the cost. Like other forms of coverage, liability protection is also included.

Theft and Vandalism

Finally, condo insurance also offers coverage for theft and vandalism. Suppose someone breaks into your condo and steals or vandalizes your property. In that case, you may be able to receive compensation from the insurance company.

What Isn’t Covered Under Condo Insurance?

Your condo insurance policy will have a list of coverage exclusions. The following are typical examples of what’s not covered:

  • Damages caused by natural disasters such as floods or earthquakes. If you live in an area prone to these events, you’ll likely need additional coverage to protect your condo.
  • A standard condo insurance policy typically doesn’t cover damage caused by pests and vermin; this includes damage caused by termites, rodents, etc.
  • Damages caused by intentional acts aren’t typically covered under a standard condo insurance policy.
  • Personal property not explicitly listed on the policy, such as expensive jewelry or artwork.

Condo Insurance Options

The three categories of condominium insurance policies are as follows:

  • Complete Coverage: This policy protects the entire condominium complex, including common and individual unit spaces. It covers the building’s exterior damage, including roofs, walls, and windows.
  • Coverage for a Single Unit: While it’s similar to the complete coverage option, this policy only covers your unit. It excludes coverage for common areas of the complex, such as lobbies and hallways.
  • Coverage for Bare Walls: This type of policy provides the most basic level of coverage. It covers damage to only your unit’s walls, floors, and ceilings, excluding any personal property you may have inside.

Actual Cash Value Vs. Replacement Cost

When purchasing condo insurance, you’ll have to choose between actual cash value (ACV) and replacement cost. ACV pays for the item’s current market value, including depreciation costs. Replacement cost covers the entire cost of replacing or repairing your items, regardless of how long you’ve had them. However, this option is more expensive than ACV.

How Much Is Condo insurance?

The cost of condo insurance can vary depending on several factors, including the following:

  • The Location of Your Condo: Insurance premiums are typically higher in areas with a higher risk of damage.
  • The Size and Value of Your Condo: The larger and more valuable your unit is, the higher your premium will be.
  • Deductible Amount: The deductible is the amount you must pay out-­of-­pocket before insurance coverage kicks in. If you opt for a higher deductible, you may be able to lower your premiums.

Ultimately, the cost of condo insurance will depend on your individual needs and situation. Speak to an insurance professional like Nesso Insurance to determine the best coverage and premium.

Why Do I Need Condo insurance?

  • Confidence: Without insurance, you may constantly start thinking about what would happen in the case of damage or theft. Having condo insurance gives you confidence and more energy to focus on enjoying life in your new home.
  • Financial Security: If you don’t have a policy, you must pay for any damages to your unit or personal property out of pocket. With condo insurance, you can feel confident knowing you have financial protection in an emergency.
  • Flexibility: Finally, condo insurance allows you to customize your coverage. With Nesso Insurance, you can select from different add-on coverage options until you feel comfortable.

Our Condo Insurance Services in Milldale

At Nesso Insurance, we offer you comprehensive protection against all risks related to condos and townhouses. You can access plenty of comprehensive policies from reputable insurance companies in the state. Our condo insurance may include the following:

Property insurance

Real Estate Property insurance protects not only the physical structure of your home but also any improvements you make to the property. These improvements include appliances, fixtures, plumbing, ductwork, wiring, and carpeting.


This insurance policy can help you with legalities and fees if somebody is injured or their belongings are ruined while on your land. You would be held responsible without liability coverage and have to pay for the damages.

Loss Assessment

When you own a condo, you’re responsible for maintaining and repairing common areas with your neighbors. Another way to call this is loss assessment; you may be able to pay for damages that occur to common areas through this policy.

Living Expenses

If your condominium is uninhabitable following a covered loss, condo insurance can help you pay for additional living expenses. These expenses may include hotel bills or food costs if you relocate temporarily.

Our Process

Contact Our Specialists

When you first fill out our form, we’ll connect you with one of our insurance specialists. They will ask questions about your condo and living situation to determine your ideal policy.

Assessing Your Needs and Proposing Innovative Solutions

We’ll assess your situation and analyze the policy offerings from different insurance companies. We’ll then present you with a tailored insurance package that fits your needs and budget.

Leave You with a Tailored Policy and Provide Ongoing Support

Once you’re comfortable with the plan, we’ll help you purchase your policy and answer any remaining questions. Our advisors will also provide ongoing support throughout the policy’s life to guarantee it stays relevant and up-to-date.

Why Choose Us for Your Property Insurance Needs in Milldale?

Here are just a few of the reasons our customers keep coming back:

Long-Term Vision when Planning for Your Future

We know that your needs may change, so we plan for that. We look at the long-term implications of your policy to guarantee you have the coverage you require now and down the line.

Holistic View of Your Wealth Management

We take a holistic approach to wealth management, so we’ll also examine how condo insurance fits in with other aspects of your finances. This way, we can create the most effective and comprehensive plan.

A Fast and Easy Application Process

Whether you’re buying or renewing your insurance policy, we make the application process quick and easy. Plus, you can get instant quotes and approvals in most cases, so you can get the coverage you need without delay.

Nesso Insurance Helps with Your Insurance Planning in Milldale

Condo owners have unique risks that require specialized insurance protection. Our policies are designed specifically for this type of property, and we understand the risks involved in owning it. Regarding success, Nesso Group believes in an all-encompassing and holistic approach. Our integrated solutions and comprehensive services relieve stress and allow you to focus on what’s important. We are proud to offer superior condo insurance protection in Milldale, CT. Contact us if you have any questions or want to get started on your quote.


Subscribe To Our Blog


Read More Entries

Let’s Talk About
What’s Important To You


Our approach to integrated solutions and comprehensive services alleviates stress and elevates success. We provide guidance across multi-dimensional areas of expertise for individuals and businesses. You can trust that we’re working together with your best interest in mind.

Image Item


Image Item


Image Item


Image Item


Image Item


Image Item


Call Now Button