Condo insurance provides coverage for your personal belongings, as well as liability coverage. It is wise for the condo unit owner to check with their association to see if the unit owner is responsible for insuring the actual structure of their condo, or if the association covers the structure under their master policy. As with a standard homeowner’s policy, supplemental coverages can be added to tailor your condo policy to fit your particular needs.*
When contacting your association regarding the structure of your condo, it is also important to ask who is responsible for the windows, doors and the pipes once they break off into an individual condo unit. By providing this information at the time of your quote, it will help ensure that you are adequately protected in the event of a loss.
*Coverage subject to policy limits, exclusions and conditions.