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 When you own a cooperative apartment, your insurance needs are different from other homeowners.

Your cooperative will own a master policy covering your apartment's building, building common areas, shareholders ' collective liability.

What's not covered are your personal belongings or any property in your unit due to fire, theft, or vandalism and malicious mischief. It also covers you from your personal liability in the event of a lawsuit.

Your Cooperative Insurance policy will cover among other things:

• Clothing
• Furniture
• Appliances
• Bedding
• Additional living expenses if you have to relocate during repairs to your unit

Personal Liability coverage provides you with financial protection should someone be accidentally injured or damaged by you, your children or pets and while on your property.

You can endorse your policy to cover costs the cooperative assesses each unit owner caused by losses on common property exceeding the master policy limits.

The policy will also defend you in a lawsuit due to a lawsuit or property damage.

You can add additional coverages to your policy to properly insure high value items.

You can repair or replace insured personal property without any deduction for depreciation.

And there are many other endorsements you can use to craft a policy which meets your personal needs.

Complete the form below for your Co-op Insurance coverage proposal.