Condo Insurance 

Personal Property Protection
It acts as a safety net for everything that would fall out if you "turned your condo upside down and shook it". This includes your furniture, electronics, appliances, and clothing. If these items are stolen or destroyed by a fire or burst pipe, we pay to replace them. 

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Personal Liability Coverage
If a guest slips in your kitchen or your bathtub overflows and damages the neighbor’s unit below, you could be held legally and financially responsible. This coverage pays for their medical bills and your legal defense fees so you don't have to use your life savings to settle a lawsuit. 

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Loss Assessment Coverage
This is a unique feature for condo owners. If the building’s common areas (like the elevator or roof) suffer major damage and the association’s master policy isn't enough to cover the bill, they may "assess" a fee to every unit owner to make up the difference. This benefit helps pay your share of that unexpected bill. 

 

Additional Living Expenses
If a covered disaster (like a fire) makes your unit unlivable, this benefit pays for your temporary housing, hotel stays, and extra meal costs while your home is being repaired, ensuring your daily life remains stable.