Do I Need Condo Insurance?

If you’re considering a condo move, you’re probably attracted to the idea of your outdoor chores being taken care of while having access to an assortment of amenities. With a condo, you own the space you’re in, but you don’t own the physical property. Should this play a role in obtaining condo insurance? At Gallina and Sons, we’re here to help you determine whether or not condo insurance is right for your home in or around Bridgeville, PA. 

Does the HOA Require It?

You may have no choice into opting for condo insurance. If your HOA requires you to have condo insurance to purchase the condo, there isn’t much you can do about it. Without obtaining condo insurance, the HOA’s board likely will not approve the sale of the property to you. The condo insurance may also be built into your monthly HOA dues (although this is unlikely). Make sure to read all the fine print of the condo’s contract to see what insurance requirements there are. 

Neighbors Affect You 

When you own a house, you alone are responsible for damage sustained to the property, regardless if it is man-made or a natural cause. However, this is not always the case when living in a condo. Someone on the other side of the building could place something on an active burner and end up catching the entire building on fire. With more potential risk, you open yourself up to a higher chance of property damage, which is why most locations highly recommend condo insurance. 

At Gallina and Sons, we’re here to help you make the right insurance decisions for your particular needs. If you’re considering a condo move, we can help you in protecting your investment, regardless of if it is in Bridgeville, PA or the surrounding community. Reach out to our agents for more information.

My Dog Bit Someone- When Do I File a Condo Insurance Claim?

At Gallina and Sons, serving the Bridgeville, PA area, one of the questions we are often asked is how quickly you should report a dog bite to your home or condo insurance. If your dog has bitten someone, you may be on the fence about reporting the claim until you know whether the individual is pursuing treatment or how severe the bite is. But it is always wise to report the dog bite right away. Here are a few of the reasons why:

Preserves Evidence

One of the reasons it is important to notify your home or condo insurance about a potential dog bite claim right away is because it gives the insurance company the ability to preserve evidence. If you wait, evidence such as witness statements or camera footage may be gone. This can make it hard to defend your case. 

Document the Incident

The other benefit to filing a condo insurance claim for a dog bite is that it helps to document the incident. In Pennsylvania, most people have up to a year to file a personal injury claim against you for injuries they sustained if your dog bit them. By then, both your recollection of the incident and the suing parties recollection may fade or differ. Filing a claim allows the insurance company to obtain statements from both of you and documents the incident. This helps to ensure critical pieces of information are not left out because they may have been forgotten. 

Gallina and Sons, serving the Bridgeville, PA area, is here to assist you with purchasing condo insurance policies and helping you to navigate through the claims process if you ever need to file one. If you are looking for a new insurance policy to protect your dwelling, call us today. 

3 Ways Commercial Insurance can Help a Business Grow

Commercial insurance can protect a fledgling business against accidents or lawsuits that can cause financial ruin. In protecting business assets and interests, commercial coverage enables you to invest in your company’s growth. Here are a few ways in which commercial insurance from Gallina and Sons can help your Bridgeville, PA business grow.

Liability

Liability coverage protects you against business-related injuries and accidents. If a customer accidentally injures himself while on your business property, general liability will help pay for medical expenses as well as protect you against a lawsuit due to the accident. Product liability protects you against injuries caused by a product you manufacture or sell. Liability insurance protects your business assets, so you can make financial decisions that will help take your business to the next level.

Property Insurance

Business expansion often requires the purchase of property, equipment, supplies, and other items essential to generating revenue. Property insurance protects your business property against damage or loss due to theft, fire, hazardous weather, or other covered peril. This protection lets you make investments that will help expand your business without worrying about the financial loss.

Workers’ Comp

Good employees are the backbone of every business. You’re more likely to attract reliable workers if your company has workers’ compensation to protect their interests. Workers’ comp protects your employees against accidental injuries on the job. It also protects you from lawsuits that may arise due to employee accidents.

By exploring the different types of commercial coverage, you can get a better idea of how to protect your business in ways that help it grow. The right insurance package can provide you with financial security to invest in your future.

To learn more about commercial insurance and all it has to offer, contact us at Gallina and Sons in Bridgeville, PA.  

Is condo insurance mandatory in Pennsylvania?

A condominium is not treated in the same way as an ordinary house when it comes to insurance as condos contain different apartments shared amongst different owners. If you reside in a condominium, some facilities such as the backyard, basement, front walks, and swimming pools will be shared thus the insurance fee is shared amongst the tenants.

If you live in a condominium unit in Pennsylvania, you will need to visit a local condo association in the state to ensure that you are adequately insured in case of liability. At Gallina and Sons, you will get professional help on the type of condo insurance to purchase to ensure that the shared facilities in your condominium are adequately insured. Because an HO6 doesn’t cover the entire condominium, it would be smart to buy a condo policy if not already required by a lender. In this sense, this insurance coverage can be considered to be mandatory.

With HO6 condo insurance, common areas such as the entire condominium structure, elevators, and the lobby will be covered in case of any liability. Notably, accidents can occur while you are not inside your apartment which means that the HO6 insurance will not cover your liabilities. It is important to purchase a condo insurance policy and remit the yearly fund requirements to keep the coverage active.

Undoubtedly, the individual unit owners have a collective duty of ensuring that the commonly owned areas of your unit are insured with an effective HO6 insurance coverage. In the event of a natural or human-made disaster, spelled out in the policy such as earthquakes or hurricanes, condo insurance association will evaluate the amount of repair work required and will then tender the claim to their commercial insurer so that the loss is covered. It is high time you visited Gallina and Sons in Bridgeville, PA for professional help and to have your questions answered.