The top-rated condo insurance agent in Troy, Ohio is Freeman Groves Insurance And Financial Services Inc, rated 4.9 stars across 208 reviews. Other highly rated options include Littman-Thomas Agency - Troy Office, Heath Murray - State Farm Insurance Agent, Holobaugh Insurance. This directory lists 20 condo insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Freeman Groves Insurance And Financial Services Inc | 2840 S Co Rd 25A | (937) 348-1763 |
| 2 | Littman-Thomas Agency - Troy Office | 210 S Market St suite b | (937) 339-1525 |
| 3 | Heath Murray - State Farm Insurance Agent | 725 W Market St | (937) 335-9600 |
| 4 | Holobaugh Insurance | 2244 OH-718 | (937) 552-9956 |
| 5 | Carr Insurance Group | 115 S Market St | (937) 335-8914 |
| 6 | Koverman Staley Dickerson Insurance | 1106 W Main St | (937) 339-4119 |
| 7 | Carson Halsey: Allstate Insurance | 1275 Experiment Farm Rd D | (937) 332-6942 |
| 8 | Lisa Cano - State Farm Insurance Agent | 41 S Stanfield Rd A | (937) 335-3535 |
| 9 | Evans Title Agency | 30 + years in business, 1471 S Market St | (937) 669-3826 |
| 10 | Trojan Insurance Agency | 1008 Grant St | (937) 339-2674 |
Freeman Groves Insurance And Financial Services Inc serves the Troy, Ohio, metro area as a local condo insurance agent. Condominium insurance helps protect the interior structure and personal belongings of a unit owner. The agency also assists clients in securing liability coverage and loss assessment protection for their condos in this region. Offering guidance on HO-6 policies and coverage gaps left by master building policies is among its specific services handled.
Serving the Troy area, the Littman-Thomas Agency - Troy Office offers condo insurance agent services including policy evaluation and coverage customization. It helps clients review maintenance obligations and common area protection requirements relevant to their specific condominium association rules. The office assists with risk assessment and ensures appropriate liability and property coverage are in place. It regularly services condominium units, townhomes, single-family homes, and multi-unit apartment complexes throughout the local region.
Heath Murray - State Farm Insurance Agent in Troy, OH, serves homeowners, condo owners, and property managers seeking specialized coverage for their residences and investments. The agency focuses on tailoring condo insurance policies to protect personal property, interior structures, and liability within the condo unit. Assistance is provided with understanding master policy gaps and selecting appropriate personal liability and loss assessment coverage. The agent’s office also serves clients in the neighboring community of Piqua and the greater Miami County area.
Holobaugh Insurance serves Troy, Ohio, and the surrounding communities in Miami County and the greater region. The agency specializes in handling condo insurance, covering individual units and the associated interior structures. For a typical job, it evaluates the specific needs of each condominium owner, considering factors like personal property and common area assessments, and then presents a policy that aligns with the condo association's master plan.
Carr Insurance Group in Troy, OH offers a choice between a one-time consultation and an ongoing advisory relationship. Services typically match condominium owners with policies that cover personal belongings and interior structural damage not covered by the master association’s policy. Individual policies can also arrange for additional liability protection. All work is tailored to each policyholder’s specific building and unit situation, and service runs on an as-needed basis following the initial policy setup or renewal period.
As the changing seasons in Troy, Ohio bring varied risks to condominium properties, Koverman Staley Dickerson Insurance advises owners on adapting coverage appropriately. Their agency helps clarify the often complex division between association master policies and individual unit owner needs. By focusing specifically on condo insurance, they provide a clear process for evaluating potential liability gaps, personal property protection, and loss assessment coverage. The initial step involves a thorough in-person inspection of the unit to identify its specific structural features and contents.
Carson Halsey: Allstate Insurance offers specialized condo insurance services in Troy, OH, focusing on coverage tailored to individual unit owners and association bylaw requirements. The agency handles policies that protect personal property and liability for condo residents. In addition, it provides general assistance with policy reviews, claims support, and policy adjustments as circumstances change. A common seasonal concern is protecting against water damage from frozen pipes during the harsh Ohio winter months, which the agency helps clients address.
Lisa Cano’s agency assists clients with standard insurance needs, including auto and life coverage, from its Troy, OH location. It also provides specialized condo insurance tailored to protect individual units and shared building structures. This agency works with property insurance for condominium owners in the region, offering liability protection and personal property coverage. Its commercial insurance services are available to local offices, warehouses, and food service establishments, helping secure their operations and assets.
Evans Title Agency provides residential condo insurance services for property owners in Troy, OH. The agency also covers commercial insurance policies tailored to local housing complexes and mixed-use buildings. Clients in Troy and surrounding areas can obtain coverage for common condo risks like shared liability and interior damage. Between regular policy reviews or after a claim, agents follow up to adjust coverage or answer questions, ensuring owners are protected as their needs change. This ongoing service helps maintain appropriate insurance between scheduled visits.
What Does a a Condo Insurance Agent in Troy Cost?
Typical condo insurance costs in Ohio range from 300 to 800 dollars per year for a standard HO-6 policy. Factors include the unit value, deductible amount, and location in Troy. Older condos or those near flood zones may have higher premiums. This is general information and not insurance advice.
About condo insurance agents in Troy
A condo insurance agent in Troy Ohio can help you find the right HO-6 policy for your unit. Ohio law requires condo associations to carry master policies but owners need their own coverage for interior finishes and personal property. Local agents understand the specific risks for Troy properties near the Great Miami River.
Frequently Asked Questions
What does a condo insurance agent in Troy Ohio do?
A condo insurance agent helps you compare HO-6 policies from different carriers. They explain what the master policy covers and what you need to add. They also help you meet Ohio lending requirements for condo insurance.
How is condo insurance different from renters insurance in Ohio?
Condo insurance covers the interior structure of your unit while renters insurance does not. Ohio law requires condo owners to insure improvements and fixtures inside the unit. Renters insurance only covers personal property and liability.
Do I need flood insurance for my condo in Troy Ohio?
Standard condo policies do not cover flood damage. Many Troy condos near the Great Miami River or its tributaries may require a separate flood policy. Your agent can check if your unit is in a FEMA flood zone.
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