Many condo owners believe their Condo Association provides all the coverage they need when, in fact, they need their own policy. A Condo Unit Owner Policy provides the following coverages that may not be part of their Condo Association policy:
- Unit Owners Real Property- Covers additions, fixtures, improvements and installations which are part of the building within your unit and for which you are responsible under the terms of your association agreement.
- Personal Property - Coverage for personal belongings such as clothing, small appliances and furniture.
- Personal Liability - Coverage for bodily injury, property damage and personal injury caused by you.
- Loss Assessment - Coverage for your share of any loss assessment charged against you by the association.
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*Coverages are subject to underwriting guidelines and approval and may not be available in all states.
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