The condominium policy purchased by your Association provides broad coverage for the buildings owned commonly. The association policy may not include damage caused by flood, earthquake, or water damage that "leaks" in, unless specific damage occurred to the roof first. These excluded items may be self-insured by the Association, and paid for through your condo dues. If you would like our office to review your Condo Association's insurance plan, please contact us or email us.
Bear in mind that all your personal property (the property you'd take with you if you move) is your responsibility to insure. Your personal property is distinct from condominium property, and your personal condo insurance should reflect values for all your personal belongings.
All the following coverages should be considered in your personal condo policy:
For an in depth description of each coverage, visit our Condo Coverages Summary page.
Are you a Condo Association? Check out our Master Condo Policy page.