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How to Read Your Condo Insurance Policy Declarations

What's in Your Policy?

When you purchase Allstate Condo Insurance, you'll receive Allstate Condo Policy Declarations. This document "declares" the choices you've made for your condo insurance policy, including:

  • Coverages
  • Deductibles
  • Coverage limits
You'll receive a new Allstate Condo Policy Declarations every renewal period. Log into My Account to view your Allstate insurance policies. It's always a good idea to check your policy declarations to make sure all the information is correct.

Need Help Reading Your Policy Declarations?

Here's an example of an Allstate Condo Policy Declarations with an overview of some of the key information in it.

Sample Allstate Condominium Owners Policy Declarations document page 1. It has three points, A, B and C, showing where Total Premium, Location and Property, and Policy Period information are on the document.
Closeup of point A, total premium, as it appears on the Sample Allstate Condominium Owners Policy Declarations document page 1.

This is the total premium you will pay for the policy period.

Closeup of point B, location of property, as it appears on the Sample Allstate Condominium Owners Policy Declarations document page 1.

This shows the address of the insured address.

Closeup of point C, Policy Period, as it appears on the Sample Allstate Condominium Owners Policy Declarations document page 1.

Condo policies typically cover a one-year period. Pay your premium by the due date, and your policy automatically continues for the time period shown.

Sample Allstate Condominium Owners Policy Declarations document page 2. It has four points, D, E, F and G, showing where Coverages, Limits of Liability, Deductibles and Personal Property information are on the document.
Closeup of point D, Coverages, as it appears on the Sample Allstate Condominium Owners Policy Declarations document page 2.

This shows all the coverages you have as part of your condo insurance.

Closeup of point E, Limits of Liability, as it appears on the Sample Allstate Condominium Owners Policy Declarations document page 2.

This shows the maximum limit Allstate will pay for each covered loss,* for each type of coverage.

* What does "covered loss" mean? It's an insurance term that means a loss that falls within the bounds of the policy. Throughout this guide, when we refer to a loss, we assume it is a covered loss.

Closeup of point F, Deductibles, as it appears on the Sample Allstate Condominium Owners Policy Declarations document page 2.

A deductible is the amount you pay out of pocket when you file a claim for a covered loss.* Your policy's deductibles will be shown under each coverage.

Closeup of point G, Personal Property, as it appears on the Sample Allstate Condominium Owners Policy Declarations document page 2.

This shows whether you've chosen Actual Cash Value or the Reimbursement Provision.

Keep reading to learn more about condo insurance policy coverages.

Questions? Want to make changes? Call your local Allstate agent or 1-800-ALLSTATE.

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Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Exclusions may apply. Discount amounts and total savings will vary. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Vehicle and Property Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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