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How Does Condo Insurance Work?

If you have a condo, you need a specialized form of insurance to protect it. Your policy’s exact parameters have a lot to do with your condo association and how they outline what you’re responsible for. If you need a personalized condo insurance policy, contact us at Insurance Source Solutions of Oklahoma.

Your Condo Policy

Your condo association will have a document called the master policy. This outlines just which portions of the building you are responsible for insuring as well as maintaining. Usually, this only includes the interior of the condo. Some contracts may require you to cover the walls’ insides as well, including the electrical system and the plumbing lines. Others will extend to some of the pipes outside of your condo. If you have made any improvements to the outside of the property, it will include those. The outside portions of the building, excluding any improvements you have made, are generally insured by the condo association. 

Other Coverage

As well as covering the condo itself, your condo insurance policy will likely cover all of your possessions inside it. Depending on the contract, this may also cover your liability inside the condo. This means that if someone has an accident or falls ill inside your home, their medical bills are covered by your insurance. Your policy may also cover your living expenses if you should be forced out of your condo because of serious calamities that make it uninhabitable. 

Call an Agent

If you have a condo and need insurance, contact us at Insurance Source Solutions of Oklahoma. We can help you to understand better condo insurance and what kind you need.


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