What Does Condo Insurance Cover?

Condo insurance may provide several types of coverage to help protect your unit and belongings, including:

Unit Property Coverage

Coverage may help protect certain portions of your condo unit, including eligible interior features, fixtures, and improvements, against certain covered losses.

The division of responsibility between your policy and the condominium association’s insurance can vary depending on the property and governing documents.

Personal Property

Personal property coverage can help protect covered belongings such as furniture, clothing, electronics, and other personal items against certain covered losses.

Coverage limits and covered causes of loss vary by policy.

Personal Liability

Personal liability coverage can help protect you against certain claims involving bodily injury or property damage for which you may be legally responsible.

Coverage may also include certain related legal expenses, subject to the policy terms and limits.

Loss of Use

Coverage may be available for certain additional living expenses if a covered loss makes your condo unit temporarily uninhabitable.

Coverage is subject to the policy terms, limits, and applicable conditions.

Who Needs Condo Insurance?

Condo insurance may be appropriate for Florida residents who own an eligible condominium unit.

Coverage needs can depend on factors such as:

• Location of the condominium
• Construction and age of the building
• Unit features and improvements
• Personal property
• Condominium association requirements
• Insurance history
• Insurance company eligibility

Your condominium association’s insurance policy generally does not replace the need to consider coverage for your individual unit, personal property, and liability.