Unit Owners Condominium Insurance
When you live in a condo, your condominium association insurance covers the condominium building exterior, commonly owned property, and liability insurance for the association. However, that insurance doesn’t cover any losses you might incur as a result of damage to items in the interior of your unit, or if someone is injured inside your unit. The associations’ insurance does not cover your improvements inside your unit, appliances, cabinetry, floor, window, or wall coverings, lighting fixtures, or your personal contents and furniture.
Click on Unit Owners Responsibility and Condo Association Responsibility to learn what items are typically covered under each respective insurance policy. You should also buy a separate flood policy if you are in a flood zone to cover the same items.
Unit Owners Responsibility
BASE, DOOR, WINDOWS AND CROWN/TRIM MOLDINGS
UPGRADED MOLDINGS AND TRIM
WALL AND CEILING TEXTURE
BUILT-IN CABINETS & COUNTERTOPS
MEDICINE CABINETS
INTERIOR ELECTRIC FIXTURES, FANS, LIGHT FIXTURES
FLOOR FINISH (STAINING, PICKLING, ETC.)
VINYL OR CERAMIC TILE
CARPETING
HVAC – AIR CONDITIONING UNITS
HVAC – DISTRIBUTION DUCT WORK
HVAC – DIFFUSERS
HVAC – CONDENSING UNITS
PLUMBING FIXTURES
APPLIANCES
WINDOW TREATMENTS AND RELATED HARDWARE
WALL PAPER
INTERIOR PAINTING – PRIME COAT
INTERIOR PAINTING – FINISH COAT
HURRICANE SHUTTERS – UNIT OWNER INSTALLED
STAIRCASES – UNIT OWNER INSTALLED
Condo Association Responsibility
CONCRETE FOOTINGS
FOUNDATION & WALLS
FLOOR FRAMING SYSTEMS
EXTERIOR WALL FRAMING
INTERIOR WALL FRAMING
INTERIOR INSULATION
INTERIOR DEMISING INSULATION
EXTERIOR SIDING
ROOFING
WINDOWS
ENTRY DOORS & SKYLIGHTS
INTERIOR DOORS
DRYWALL – PERIMETER WALLS
DRYWALL – INTERIOR LOAD BEARING
DRYWALL – INTERIOR NON-LOAD BEARING
DRYWALL – SEPARATION FIRE WALLS
EXTERIOR ELECTRIC FIXTURES, FANS, LIGHT FIXTURES
UNIT ELECTRIC WIRING
BUILDING DISTRIBUTION WIRING
FLOORING – UNFINISHED
PLUMBING ROUGHING
EXTERIOR PAINTING
HURRICANE SHUTTERS – ASSOCIATION INSTALLED
STAIRCASES – EXTERIOR
STAIRCASES – INTERIOR STRUCTURAL
LANDSCAPING – IMPROVED LANDSCAPING ONLY
COMMON AREAS (POOL & DECK, POOL HOUSE, SPA)
TENNIS COURTS
BUILDING SEWAGE TREATMENT