Condocover Policy

Your condominium is as much of a home as a house is. ERIE's Condocover Policy safeguards your:
  • Personal property wherever it may be.
  • Additions or alterations you make to your premises.
  • Loss of use, which covers the additional living expenses you incur due to temporary relocation.
  • Loss assessments up to $5,000 imposed upon you if your association's coverage is inadequate.
  • Personal liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
  • Medical payments to others who are injured in an accident arising from your premises or personal activities.

Xtra Features

The Condocover Policy protects you and your family with over 50 Xtra Features, including:
  • Coverage up to $2,500 for loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
  • Payment up to the personal property limit for loss to contents of a refrigerator or freezer from either power or mechanical failure.
  • Coverage up to $3,000 for theft, misplacing or losing of jewelry, watches and furs.
  • Reimbursement for fire extinguisher recharge after a fire loss.
  • Payment for replacement of automatic garage door transmitters which have been stolen. Coverage is also provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
  • Coverage up to $3,000 for theft, misplacing or losing of guns and related equipment

Perils*

The Condocover Policy will protect your home, other structures and personal property against direct physical loss except as excluded in the policy. Perils include:
  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Sonic boom
  • Riot or civil commotion
  • Aircraft or vehicles
  • Smoke
  • Vandalism or malicious mischief
  • Glass breakage
  • Theft
*Some perils contain specific exclusions. See the actual policy for the details.
 
  • Falling trees or other objects
  • Weight of ice, snow or sleet
  • Sudden bursting or cracking of a heating or cooling system
  • Freezing of plumbing, heating and cooling systems
  • Accidental overflow or discharge of water from within the home
  • Power surge damage to electrical appliances
  • Volcanic eruption

Optional Coverages

Your home is unique and so are your protection needs. Some optional coverages you may choose to add to your Condocover Policy include:
  • Increased loss assessment amount
  • Sewer or drain backup
  • Incidental business occupancy
  • Earthquake coverage
  • Scheduled personal property
  • Expanded endorsement
  • Increased building, additions and alterations endorsement
  • Condocover enhancement endorsement