Why you need insurance for your condo unit
Your condo association likely won’t insure your unit or the personal property inside. Their insurance typically focuses on the building structure and common areas.
What’s Covered
Weather damage
Lightning, wind or hail, freezing of a plumbing system, weight of ice, snow or sleet
Non-weather damage
Fire, theft, vandalism, riots, explosion, smoke, aircraft and vehicles
Other causes
Abrupt and accidental discharge of water from plumbing system, tearing/bulging of heating or cooling systems, artificially generated electrical current
What’s not covered?
Natural & other causes
Damage from flood, underground water, earthquakes, mudslides, settling, deterioration, contamination, nuclear hazard, birds, rodents, insects or domestic animals.
Work-related
Business pursuits or professional services. Learn more about business owners policies.
Vehicles
Ownership, operation, use, or maintenance of aircraft, motor vehicles, and certain watercraft.
