Accessibility Statement


General

Access to any company's website can be challenging for persons having certain disabilities. A person's disability is often unique. What may work well for one person, may cause difficulties for another person. Our company has made efforts to accommodate as many of our customers and potential customers as is reasonable given our size, resources, and knowledge of our customers, and potential customer's needs. To that end we have engaged the services of professionals to assist and advise us in these matters.

Accessibility on This Website

Our website provides a number of methods, features, and policies that can help with access to our website and/or to products or services provided or referred to on our website or by our business.

If you are having difficulty with access to our website even after utilizing any access features within this website and/or any third party or browser features, we invite you to contact us for further assistance. Contact Erik@TruViewRealty.email

Disclaimer

We anticipate that from time to time, within our resources, we will be making modifications to parts of our website, and possibly modifications to accessibility of our website. Reasonable efforts toward improving seamless, accessible and unhindered use of websites by customers and potential customers is generally a worthwhile goal. Moving closer to this goal will often depend on the knowledge the company has regarding any particular difficulties those using the website might encounter, as well as available resources and improvements with technology.

Despite the efforts we may have made regarding accessibility, consistent with normal business practices for a company of or size and resources, some content, features, processes, or policies, may be improved, so we welcome your suggestions.

We Are Here for You

If you are experiencing difficulties with any content on our website because of a disability, or if you require assistance with any part of our site because of your particular disability, please contact us and let us know. We will be happy to assist.

If you have a disability that has caused or may likely cause you difficulty in accessing or navigating any part of our website because of your particular disability, you can email us, explaining in as much detail as possible, what type of difficulty you had, or may have had, or believe others may have. These types of emails should be sent to:

Erik@TruViewRealty.email

for forwarding to us. Note: if the email is sent to a third party website or mail server for forwarding to us, the third party website or mail servers does not itself read or respond to these emails, but will only forward such email to us without prior review.

In contacting us by email, your privacy will be strictly protected. This means that you will not be required to provide any personal information, including but not limited to your: Name, address, telephone number, the specific type of disability you may have, information about goods, products, or services you might be interested in, email address (unless you include it in an email you send to us or to our representatives).

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Determining Your Condo Insurance Needs

February 03, 20232 min read

Determining Your Condo Insurance Needs

Buying a condominium can be a smart start to being a homebuyer, without many of the maintenance hassles of owning a detached home.

Insurance through the homeowner association, or HOA, covers some areas of the complex, though each homeowner must have their own insurance to cover certain parts of their property and their belongings.

Here’s a breakdown of how condo insurance works:

Group insurance: Condo association insurance usually covers common areas, such as a pool, lawn and building exteriors.

This insurance is called the “master policy” and doesn’t include what’s inside your condo unit — such as a break-in, water damage to your kitchen walls, or someone slipping on your wet bathroom floor.

Condo unit insurance: Everything inside the walls, such as the plumbing and electrical wiring, is covered by your individual insurance policy, though some master policies may cover from the paint on the inside of your unit to the outside walls.

An individual homeowner’s insurance policy will also cover your belongings that you keep inside your condo, along with any fixtures or improvements you make to your unit.

When valuing your possessions, consider the replacement cost in today’s dollars for new items, not what they originally cost. Some policies only reimburse for actual cash value, which is the depreciated value, and not the total replacement costs.

Insurance coverage for personal belongings and the physical building typically range from $25,000 to $100,000, with premiums at $400 to $600 per year. Owning artwork or other collectibles could require additional coverage.

Liability coverage included in condo insurance will typically cost $20 a year for $300,000 in liability coverage.

Loss-assessment insurance: This covers insurance expenses not covered by the condo association, or in excess of the group coverage. You may need it if the condo association insurance doesn’t cover a major repair and the HOA doesn’t have enough money to pay for the repair. Instead of paying extra for the fixes, your loss-assessment coverage would cover you.

Loss of use: This type of insurance pays for a place for you to stay if your unit is totaled or severely damaged by a tornado or some other disaster. Coverage may be limited to a dollar value or your actual costs for a specified time.

When determining how much insurance you need for your condo, start with your condo associations’ master policy and then fill in the holes from there. This real estate information will help ensure your investment and your belongings are well protected.

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Office:

103 Laurelbrook Rd

Cherry Hill, NJ 08034

Call:

(856) 878-2800

Email:

Erik@TruViewRealty.email

Site:

www.TruViewRealty.com

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