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Condo Insurance
Coverage for what is yours inside the association.
Condo ownership combines your individual responsibilities with those of a condominium association. The right conversation starts by understanding where one ends and the other begins.
What to understand
What condo insurance can help protect.
- Personal belongings
- Interior property you are responsible for insuring
- Personal liability
- Certain loss-assessment exposures when covered
Review considerations
Questions worth discussing.
- The association master policy
- Unit-owner insurance responsibilities
- Improvements and betterments
- Loss assessment limits and deductibles
Condo Insurance FAQs
Clear answers start with good questions.
Why do I need condo insurance if the association has a policy?
The association policy may not cover everything inside your unit or your personal belongings and liability. Responsibilities depend on the governing documents and master policy.
What should I bring to a condo insurance review?
The association’s insurance information and governing documents can help clarify which property responsibilities belong to you.
Complimentary Protection Review