Protecting everything from the "four walls" in is most likely your responsibility

Your condo association probably insures only the buildings and common areas. That means you are responsible for everything else. When insuring your condo, make sure you have sufficient coverage for its contents.

How much coverage do you need? Ask yourself these questions:

  • What does my association's master policy cover?
  • Am I liable for my association's deductible expense?
  • Am I covered for the replacement costs of my belongings, including clothing and furnishings?
  • Do I have sufficient coverage to cover appliances, jewelry and collectables?
  • Do I need to cover structural items such as lighting, or bath and kitchen fixtures, cabinets and countertops?
  • Am I covered against flood and wind damage?

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