INSURING YOUR STUFF AND MORE... Condominium Insurance with Pioneer State Mutual

What is covered by my Condo Policy?

Your policy provides coverage for:

  • Personal property such as furniture, clothes, appliances and other personal possessions
  • Legal fees you may become responsible for due to a liability claim if someone is injured in your unit or damages are caused to someone else’s property
  • Your financial interest in the interior or exterior of your building (ie. walls, countertops, ceilings, flooring, etc.)
  • Improvements and alterations of the unit such as kitchen cabinets, partitions, and wallpaper

Additional coverages in this policy:

  • Debris removal
  • Reasonable repairs
  • Trees, shrubs and other plants
  • Fire department service charge
  • Property removal
  • Credit card, Fund transfer card, Forgery and Counterfeit money
  • Loss assessment
  • Refrigerated products
  • Collapse
  • Glass or safety glazing material
  • Landlord’s furnishings

Note: Your deductible is not paid out of pocket, but deducted from the total amount paid for a claim.

Your deductible is the amount you will take responsibility for in the event that a loss occurs, before your insurance begins to pay.

When am I covered?

We insure for direct physical loss to your covered property caused by the following perils*:

  • Fire and lightning
  • Windstorm or hail
  • Explosion or smoke
  • Riot or civil commotion
  • Vehicles (including aircraft)
  • Theft, vandalism or malicious mischief
  • Falling objects
  • Weight of ice, snow or sleet
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing apart, cracking, burning or bulging of water heaters & air conditioning units
  • Freezing of plumbing
  • Sudden and accidental damage from artificially generated electrical current

* Unless specifically excluded in your policy

Optional Endorsements

  • Watercraft Liability
  • Sports Vehicle Liability
  • Personal Property Replacement
  • Increased Special Limits of Liability
  • Premises Alarm or Fire Protection System
  • Unit-Owners Special Coverage

Limits of Liability

The following items have special limits in your policy:

  • Money
  • Securities
  • Watercraft
  • Trailers
  • Grave Markers
  • Jewelry
  • Watches
  • Firearms
  • Silverware
  • Furs
  • Precious Stones
  • Trading Cards
  • Electronic Apparatus
  • Motor Vehicle Parts
  • Business property (on and away from the residence)

Your agent can help determine if the limits provided are appropriate for your situation.

Available Discounts

  • Group Member
  • Mortgage Free
  • Smoke Free
  • Claim Free
  • Loyalty
  • Senior Citizen
  • New Home
  • Construction Credit
  • New Roof
  • Fire Alarm
  • Burglar Alarm
  • Sprinkler
  • Multi-policy Credit (With Auto or Umbrella)
Check out our mobile app! With it you can pay your bill, report a claim, call for Roadside Assistance, and even access your Proof of Insurance!

Check out our Mobile App!

This brochure is intended to be a broad summary of the insurance coverages provided by a Condominium Insurance policy. The information here is subject to policy terms and exclusions, and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specific questions.