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HSC English First Paper English For Today - Unit 7 Lesson 1 Brojen Das

What is Condo Insurance?

What is condo insurance?


Condo Insurance 

Condo insurance is coverage for a condominium unit that helps protect against losses and repair costs. Condo insurance often gives you protection for unexpected events like theft, vandalism, fire damage, water damage, and more.

Those who rent an apartment or own a single-family home may think of Condos which are a great alternative to  and they have their own unique insurance needs.

Why do I need condo insurance?

Even if your condominium association has their own coverage, condo insurance can still come in handy. Their insurance might cover commonly owned property, the condominium building, and liability insurance for the association.

But it is a matter of regret that, there are many cases where that insurance policy would not cover you or your things such as water damage to your living room walls or someone get injured slipping on your wet kitchen floor. This is the reason why you need condominium insurance which is designed specifically for condo or co-op owners.

Condominium policies help protect your personal property as well as the interior of your unit. You will also have liability protection if you get bodily injury or others get their property damaged. It's easy to get a quote for a condominium insurance policy providing these coverages.

What does a condo insurance policy cover?

The articles of the condominium association and state law regulates exactly what's covered under the association's master insurance policy.

You are responsible for the interior walls and possibly for fixtures, as well as your personal property and liability, that's why in most cases the association's coverage stops after the exterior walls are covered. This is where your own personal condo policy would come in to play a significant role. Most policies will include coverage for damages arising from:

i.Smoke
ii. Fire or Lightning
iii.Windstorm
iv  Vandalism or Malicious Mischief
v. Theft
vi. Accidental Discharge of Water

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Location: New York, NY, USA

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