The master condo policy usually covers just the exterior structure, not your personal belongings or interior features. We’ll help you understand your condo bylaws and ensure you’re fully protected..
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danielle@insurance-legacy.com
Condo insurance helps cover repair costs and losses within your individual unit. It typically protects against risks like theft, vandalism, fire, water damage, and other unexpected events.
Even if your condo association has its own insurance, it likely only covers the building structure and shared spaces not your personal belongings or the interior of your unit. That means incidents like theft, water damage inside your condo, or injuries that happen in your space may not be covered.
Condo insurance fills these gaps by protecting your personal property, interior fixtures, and offering liability coverage if someone gets hurt in your unit. It’s essential coverage tailored specifically for condo and co-op owners.
Unfortunately, there are many cases where that insurance policy won’t cover you or your things like a break-in, water damage to your living room walls, or someone injuring themselves slipping on your wet kitchen floor. That’s why you need condominium insurance designed specifically for condo or co-op owners.
Condominium policies help protect your personal property and the interior of your unit. You will also have liability protection for bodily injury or property damage to others.
Condo association bylaws and state laws define what the master policy covers typically, it stops at the exterior walls. That means you’re usually responsible for the interior, including walls, fixtures, personal belongings, and liability within your unit.
That’s where your personal condo insurance steps in. Most condo policies cover losses caused by:
Fire or lightning
Windstorms
Smoke damage
Vandalism or malicious mischief
Theft
Accidental water discharge
Make sure your condo policy fits your unique needs. Contact us today, and we’ll help you customize the right coverage for your unit.
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