Condo Insurance

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Protecting the valuables in your condo is essential. While the homeowners association covers the property, common areas, and physical structure of your building, you are solely responsible for the contents of your condominium. Having a condo insurance policy is a necessity.

Your condo association will have a master policy that covers the property, common areas, and physical structure of the building. However, the contents of your condo, such as carpet, clothes, and furniture, are not covered by this policy.

That’s why you need condo insurance.

Condo insurance typically includes coverage for:

  1. Personal Property: Coverage for your personal belongings.
  2. Replacement Value: The replacement value of your primary dwelling and specified permanent attachments, up to a specific value.
  3. Bodily Injury: Protection if someone is injured on your property, similar to a homeowners policy.
  4. Liability for Property Damage: Coverage for property damage caused by you.
  5. Damage Protection: Protection against dangers like fire, frozen plumbing, vandalism, glass breakage, and more.

A traditional condo insurance policy covers damages to most of your personal belongings, as well as walls, floors, and ceiling coverings. Typically, condo associations state that the owner is responsible for everything within the unit, including permanently attached fixtures and improvements such as kitchen cabinets and appliances.

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