Condo insurance coverage is designed to work alongside your association’s master policy to provide full protection.

Interior Unit Coverage

Interior coverage helps protect the parts of your condo that you are responsible for, which may include:

• Walls, floors, and ceilings
• Cabinets and countertops
• Fixtures and built-in features
• Upgrades and renovations

Coverage depends on your association’s master policy, so it is important to understand whether your association provides “bare walls,” “single entity,” or “all-in” coverage. We help condo owners review their association documents to ensure proper protection.

Personal Property Coverage

Personal property coverage protects your belongings inside the condo if they are damaged or stolen due to a covered loss.

Covered items may include:

• Furniture
• Electronics
• Clothing
• Appliances
• Personal items

Covered events may include fire, theft, vandalism, certain water damage, windstorm, and lightning.

Liability Coverage

Liability protection helps cover you if you are legally responsible for injuries or property damage to others.

Examples include:

• A guest is injured in your condo
• Water damage from your unit affects a neighboring unit
• You accidentally cause property damage

This coverage may help pay for legal expenses, medical bills, and settlements, making it one of the most important parts of your condo insurance policy.

Loss Assessment Coverage

Loss assessment coverage helps protect you if your condo association charges unit owners for a shared loss that exceeds the association’s master policy limits.

This is especially important in South Florida, where condo associations may assess unit owners after major claims such as hurricanes, water damage, or liability losses.

Additional Living Expenses

If your condo becomes uninhabitable due to a covered loss, this coverage may help pay for temporary housing, meals, and other living expenses while repairs are being made.