An accident-prone houseguest. Or thieves in the night. Annoyances come in many shapes and sizes, and condominium unit owners need dependable protection for all of them. When the unexpected happens, Universal has a plan for that.

Most condo unit owners have some insurance protection under their condominium association's policy. But that coverage typically extends only to common areas, leaving individual condos and their valued contents uninsured. That's a significant gap in coverage - one that can only be filled by having reliable, sufficient protection. The right protection.

Universal North America's condo owner's policy offers serious protection, including:

• Dwelling Universal covers the cost to replace or repair structural elements within the condominium that belong to the unit owner. Also covered are fixtures such as the kitchen sink and bathtub, as well as alterations which include added walls that provide separation between rooms or built-in shelves.
• Personal Liability Insurance We cover claims for property damage or bodily injury for which the condo unit owner is legally responsible.
• Personal Property and Valuables We offer the replacement value for personal belongings such as clothing, furniture, appliances, jewelry, furs and heirlooms up to policy limits.
• Medical Payments We take care of medical expenses for anyone outside the household who is injured while visiting.
• Loss of Use We pay for any costs above normal living expenses if damage prohibits the family from living in their condominium.
• Loss Assessment We cover costs levied by a condominium association in the event of loss caused by a covered peril.

Whether you own or rent, you can depend on Universal North America. Ask your agent for policy availability and details.

Coverage available for additional cost.

Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online at http://www.uihna.com/signup/.

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