Personal belongings coverage protects your property (ex. clothing, electronics, furniture) if it’s damaged or lost in a covered event. It’s automatically included in all YouSet condo policies.

In the event you cause injury to others or damage their property, personal liability coverage can help cover medical bills, legal expenses, repair costs, and even lost wages for the injured party. It’s automatically included in all YouSet condo policies.

If you or any previous owners have made renovations or upgrades to your unit, this coverage can help cover the cost of the damage. It’s automatically included in all YouSet condo policies.

If your condo association’s insurance policy for the building isn’t enough to cover damages or losses to your unit, unit contingency coverage can help fill the gap. It’s automatically included in all YouSet condo policies.

If your condo association issues a special assessment for damages to common areas (ex. the building’s roof) exceeding the master insurance policy’s coverage limit, this coverage can help cover your share. It’s automatically included in all YouSet condo policies.

If you need to relocate temporarily due to a covered claim, additional living expenses coverage can help cover costs like hotel stays or temporary apartment rentals. It’s automatically included in all YouSet condo policies.

If sewage backs up into your unit from sewers, floor drains, or septic tanks, this coverage can help cover the damage to your unit, your belongings (even those in your storage unit), and potential relocation fees. It’s optional but strongly recommended for condo owners. 

If freshwater unexpectedly enters your condo due to excessive rain, melting snow, or other causes, this coverage can help cover the damage to your unit, your belongings (even those in your storage unit), and potential relocation fees. It’s optional but strongly recommended for condo owners. 

If water unexpectedly enters your condo from above, this coverage can help cover the damage to your unit, your belongings (even those in your storage unit), and potential relocation fees. It’s optional but strongly recommended for condo owners. 

Unlike your bank, which covers fraudulent charges, identity theft coverage reimburses you for unexpected expenses like legal fees, document replacement, and banking charges.

If you own an item that’s valuable or hard to replace, you can add it to your policy as a floater. That way, if it’s lost or damaged by a covered event, it’s protected for its full appraised value.