Condominium unit owners have specialized insurance needs because they own their individual unit but not the entire building. Here’s what most condo insurance policies cover:

• Some types of weather damage, including damage caused by hail, wind, or lightning
• Losses caused by other events, like fire, theft, or vandalism
• Accidental discharge of water from within a plumbing system
• Artificial generation of electrical current

Here are a few events that can causes losses unlikely to be covered by condo insurance:

• Flood, earthquakes, mudslides, contamination, or rodent infestation
• Business or professional pursuits
• Ownership, maintenance, or operation of aircraft, motor vehicles, or some watercrafts

Common areas of a condominium, like walls, roof, floors, and elevators, aren’t likely to be covered by a condo unit policy, but those areas should be covered by the condo building “master” policy. Contact one of our local independent insurance agents to build a policy that’s right for you.

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