The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.

What does condo insurance cover?

Your condo association’s insurance policy likely covers certain aspects of your condo, such as shared or common areas. As a result, it may cover your individual unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions. Condo insurance is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance but is specially designed for your particular condo.

Protecting your personal property.

Condo insurance covers your personal belongings inside your condo unit. That means everything from your appliances to your clothes will be covered in the event of a loss. Without it, you would have to replace your lost or damaged possessions out-of-pocket. Condo dwelling insurance also covers wind and fire damage, theft, lightning strikes, and frozen pipes. It’s important to note, however, that condo insurance does not usually provide flood insurance.