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What does condo insurance cover?
Condo insurance should cover what the Homeowner Association insurance doesn’t. This varies from association to association but they often fall in one of two categories:
- All-in: Covers the structure as well as things like appliances and carpet but does not include any of your personal property.
- Walls-in: Does not cover anything within the walls of your unit. It may not even cover the plumbing or electrical, so it is important to review the policy with an experienced insurance professional.
In addition to the property, a condo policy usually includes:
- Liability Coverage: Protects you in the event you are deemed responsible for damages or losses caused by you, a family member, or often times, even a pet.
- Personal Property Coverage: Pays for damage or theft to your personal property, such as furniture, clothes, electronics, etc.