Unit Owners Condominium Insurance 2017-07-18T19:32:46+00:00

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.

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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