Exploring Condo Insurance
Condo insurance policies are structured fundamentally differently than those for standalone homes, but the protections they provide are just as critical. Should a significant loss occur, you need comprehensive coverage to be made whole again. This means your policy should specifically cover replacing your personal possessions, repairing your unit’s interior structure and improvements, and providing temporary living accommodations if you are displaced during repairs. It also includes vital liability protection for incidents that occur within your unit. Most importantly, we help you navigate the overlap between your association’s master policy and your individual policy to eliminate costly coverage gaps. Don’t leave your financial well-being to chance ensure you have the right protection tailored for condo living.
What Risks Does It Cover?
- Personal Possessions
- Interior Damage
- Unit Improvements
- Temporary Housing
- Liability Claims
- Structural Repairs
- Coverage Gaps
- Asset Protection
- Living Expenses
Frequently asked question
While your HOA’s master policy typically covers the building’s exterior and common areas, your individual condo policy protects everything inside your walls—including personal belongings, interior structures, improvements you’ve made, and provides personal liability coverage.
This includes all permanent interior elements you’re responsible for, such as flooring, cabinetry, built-in appliances, countertops, interior walls, and any upgrades you’ve made beyond the unit’s original builder-grade condition.
This vital protection covers you if someone is injured in your unit or if you accidentally cause damage to another unit. It helps cover legal expenses, medical bills, and settlement costs that could otherwise impact your personal assets.
We carefully analyze your HOA’s master policy documents to identify exactly what it covers and where your personal responsibility begins. We then tailor your policy to seamlessly fill those gaps, ensuring no overlaps or omissions in your protection.
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