As a condo or townhome owner, your insurance needs are substantially different than the average homeowner. We can help determine what your association’s master insurance policy covers and fill in the gaps with a condo insurance policy. Most importantly, we’ll give you the piece of mind you deserve!
Most condo associations carry a master insurance policy that covers the building structures and common areas. The master policy will not cover your personal property, injuries that happen within your unit or lawsuits you may face. The policy could also exclude any building property within your unit such as flooring, cabinets, built in appliances, fixtures such as toilets, bathtubs/showers, etc.. Your association will typically carry one of the below three types of insurance policies