FAQ - Condominium Insurance
Frequently asked questions:
Is there a grace period if my payment is late?
My policy canceled for non-payment. If I send a payment will my coverage be reinstated?
What policy discounts are available on my Wawanesa Condominium Insurance Policy?
Are my personal belongings covered when I am traveling in a foreign country?
If I apply for condominium insurance, do I have coverage immediately?
If I have a claim will my premium increase?
Please mail your check, payable to:
Wawanesa Insurance Company
BOX 82867
San Diego, CA
92138-2867
Is there a grace period if my payment is late?
There is NO grace period. Payments must be U.S. postmarked or received in our office PRIOR to any expiration or cancellation date to avoid a lapse in coverage. No claims will be honored if a loss occurs during a lapse period.
My policy canceled for non-payment. If I send a payment will my coverage be reinstated?
Reinstatement of coverage is subject to Underwriter approval. If reinstated, coverage will be effective 12:01 AM the day after the U.S. postmark date on your payment envelope. Reinstatement of coverage is not possible on any policy that has been canceled or expired for more than 30 days.
What policy discounts are available on my Wawanesa Condominium Insurance Policy?
We currently offer the following
discounts:
1. Senior Citizen Occupancy Discount
2. Home Protection Device Discount
3. Condominium Security Protection Discount
Are my personal belongings covered when I am traveling in a foreign country?
Yes, your personal belongings are covered while you are traveling anywhere in the world.
If I apply for condominium insurance, do I have coverage immediately?
In order to have coverage
immediately, you must meet ALL of the following
requirements:
1. Your application is U.S.
postmarked at least one day before the requested policy
effective date.
2. You must properly complete and
sign the application.
3. You enclose your premium downpayment check with your application.
4. No insurer has ever denied,
refused to renew or canceled your homeowners insurance.
5. There have not been any earth
movement or subsidence losses in your area.
6. You do not conduct any child care
activities in your home.
7. You do not have any employees
working in your home.
8. Your unit is not a converted
apartment.
9. There are no loss assessment claims pending through your homeowners association.
Otherwise, NO coverage will apply until such time as your application is otherwise approved by Wawanesa.
If I have a claim will my premium increase?
No - there is no rate increase based upon your claims experience.