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Learn About Condo Insurance

What you need to know about condo insurance

Learn About Condo Insurance

Here’s what you need to know about insurance coverage for a condominium.

A condominium is different from a house or an apartment—you own part of the property but not all of it.  This is why condo insurance in Orange, California is such a unique type of coverage.  Curious to learn more about the insurance that you need to protect your condo?  Then here are some of the things that you need to know.

Condo insurance is normally broken down into two major policies.  Together these two policies will cover the entirety of your condo.  The first policy is normally held by your condominium association or other administrative group.  This policy, usually referred to as the “master policy,” provides coverage for the structures and common areas owned by the association.  Usually, this includes things like your roof, exterior walls, stairways, recreation rooms, elevators, and the condominium grounds.

The other policy provides personal coverage that protects the portion of the condo that actually belongs to the resident.  Depending on the state and the actual condominium that you live in, you might be responsible for everything between the walls of your unit.  This includes things like carpeting, floor tiles, bathroom fixtures, cabinets, appliances, countertops, interiors walls, and so on.

In some cases, the master policy will provide coverage for your unit’s original features, leaving you responsible for only the upgrades and modifications that you make to your unit.  In other cases, you might be left to personally cover the plumbing and electrical wiring within your unit.

Ultimately, the specifics of what you own should be laid out in the association agreement that you sign when you purchase your unit.  When you go to get coverage for your condo, just make sure that you bring this agreement with you so your agent can put together a policy to fit your unique coverage needs.

Looking to find the right condo insurance in Orange, California?  Then don’t hesitate to turn to the professionals at Remland Insurance.  Our dedicated team is ready to assist you with all your coverage needs.  Contact us to get started today.


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