At Hughes Insurance Agency we frequently assist clients who live in condos and we understand the difference between the master insurance policy, paid for by their condo association or homeowners association (HOA) and the insurance needed to protect a personal condo unit. It is often a misconception that the association fee, which covers some insurance, provides full coverage of the condo. The external building, recreational facilities, walkways and roof may be covered by the master insurance policy, but most likely, the interior of your unit, is not. We can help you navigate these policies and determine exactly what you are responsible for insuring and what your association is responsible for insuring. A condo insurance policy will protect you and your possessions, including appliances and improvements you may have made to the unit. The policy will provide housing and expenses if you need to move temporarily while repairs are made following a covered insurance claim. Condo insurance also provides liability protection for you in case a friend or relative is hurt while visiting you. Your liability protection even covers mishaps in your unit that cause damage to other units.
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