Condo Insurance

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What is Condo Insurance?

Condo insurance, also known as condominium insurance or HO-6 insurance, is a type of policy tailored specifically for condominium unit owners. Unlike traditional homeowners’ insurance, which covers the entire structure of a house, condo insurance focuses on the individual unit and the owner’s personal property within it. This insurance typically includes coverage for interior elements like appliances, fixtures, and personal belongings, as well as liability protection in case someone is injured on the property.

Additionally, it often provides coverage for improvements or alterations made by the owner. Condo insurance is crucial for safeguarding a unit owner’s investment and offering peace of mind in the event of unforeseen circumstances or accidents.

Why You Need Condo Insurance

It’s important for condo owners to understand that while the condo association typically carries a master insurance policy covering common areas and the overall structure, it may not provide coverage for the interior of individual units or personal belongings. This is where condo insurance comes into play, offering protection for the owner’s personal property and interior space.

When choosing condo insurance, it’s crucial to review the master policy held by the condominium association to understand what is already covered. This helps in determining the appropriate amount of coverage needed for personal belongings and any additional endorsements or coverage options that may be required for comprehensive protection.

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