Condo Owners Insurance?
Condominiums, a popular alternative to an apartment, require condo insurance policy coverage which contains some elements that are different from either homeowners or renters insurance. Condo insurance covers only the contents and interior walls of the unit including coverage should a leak, fire or other damage emanating from that unit affect others. It includes coverage for theft, fire vandalism etc. but covers repairs for the interior of that unit only. The structure itself is covered by a master policy held by the Homeowner.
How Much do I Need?
Condo homeowners insurance is generally based upon the value of the owner’s possessions.
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The Three Basic Condo Insurance Policy Types
There are three major types of arrangements that might apply to your condominium: