Property – Co-Op Insurance

If Your Personal Possessions Were Stolen or Your Unit Damaged in a Fire…

  • Would your co-op association’s insurance completely cover your unit?
  • Would you be able to repair or replace your lost personal possessions?
  • Would you and your family have a place to stay and be able to afford the necessary extra living expenses in the meantime?

A Co-op Policy from the Roger W. Dwyer Agency Could Be Your Answer – The Co-op Policy already includes:

Loss of Use of Residence & Premises Coverage
It pays for any reasonable increase in your extra living expenses necessary for maintaining your normal standard of living, such as a place to stay, food, and transportation, if you are unable to occupy your co-op apartment due to a covered loss (subject to policy terms and conditions).

And You Can Customize Your Co-op Policy With These Optional Features:

Loss Assessments Protection
Your co-op association may assess you for damage to co-op property or for liability damages. This coverage pays your share of assessments, up to policy limits, when the assessment results from a covered loss. A $250 deductible applies.

Personal Property Replacement Cost
It provides full replacement cost on most of your insured personal property. If a covered loss occurs we can pay for repair or replacement of your damaged personal property (subject to limits in your policy) with no deduction for depreciation.

A Co-op Policy from the Roger W. Dwyer Agency Provides These Coverages

Building Property Protection
Covers items of real property that are part of the residence premises occupied exclusively by you when they are acquired or made at your expense, such as:

  • Built-in bookshelves
  • Cabinets
  • Paneling
  • Wall-to-wall carpeting

Personal Property Protection
Covers your personal property for damage from any of the causes shown below, plus others listed in the policy:

  • Water damage from rupture of steam or water heating systems
  • Riot, Vandalism, Malicious Mischief
  • Freezing of plumbing or heating systems
  • Windstorm
  • Hail
  • Fire
  • Lightning
  • Smoke
  • Falling Objects

Theft Coverage
Helps make sure your investment in personal property is protected against several types of loss due to theft, for example:

  • Credit cards and counterfeit money
  • Holdup, pickpockets, burglary
  • Stolen and forged checks
  • Theft on and off premises

Family Liability and Guest Medical Protection
Provides protection for your family against non-auto liability claims (such as those shown below), brought by others for accidental bodily injury or damage to their property. Also provides Guest Medical Protection, whether or not an accident in your home was your fault.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Liability defense costs
  • Guest Medical Protection
  • Damage to property of others

All coverages are subject to policy limits, terms, and conditions.

Co-op Protection

Individualize your policy with these optional features:

Property Insurance Adjustment
At each renewal your policy is reviewed and your limits adjusted to keep up with today’s ever-changing economy.

Extended Coverage On Jewelry, Watches, and Furs
If you own jewelry, watches, furs or gems, you can expand your insurance protection against additional losses and increase your coverage for these items.

You May Be Able to Save Money on Your Premium

Can you qualify for these discounts?

Protective Device Discount
If you have or install home security devices such as smoke alarms, fire extinguishers, and dead bolt locks, you may save money on your base premium. You may also save if your co-op has 24-hour security protection.

55 and Retired Discount
If you’re 55 years of age or older and retired* you may be eligible for a discount on your premium.

Multi-Line Discount
You will automatically qualify for a 5% discount if you have automobile insurance with the Roger W. Dwyer Agency.

*Retired means not gainfully employed in excess of 24 hours per week or seeking such employment.

Get a Quick Quote today!