Condo associations insure what's on the outside. It's what's inside that you'll need to insure.

If you own a condominium, your condo association probably has a master policy that insures all of the property and common areas that are collectively owned by the unit owners. These policies usually cover the physical structure of your home, so that you don't need to purchase separate coverage. At the same time, a condo association policy does not cover your personal property or your legal responsibility, and may not cover improvements or custom work to your unit.

Our Condominium Insurance programs are designed to protect your personal belongings, protect you against any personal liability, and provide assistance should your home become damaged or unlivable. This includes the following protections:

• Your personal property up to the limits you choose to purchase.

• Your primary dwelling (replacement cost value of your residential unit and certain permanent attachments) up to $5,000 or 10%* of your personal property limit, depending on the state you live in.

• Coverage for loss of use (reimbursing you for expenses for loss of use of your home caused by named perils up to 40%* of your personal property limit with no time limit).

• Medical expenses, paying up to $1,000* per person if someone is injured on your property.

• Liability exposures, protecting you against certain risks up to $100,000* per accident for bodily injury or property damage.

• Expense of loss assessment by a condominium association against the unit-owners, up to $1,500*.

• Protection from damages resulting from freezing of plumbing and other unexpected causes.

• Other dangers, including damage or loss due to vandalism, malicious mischief, glass breakage, and more.

Additional coverages are available for property such as personal computer equipment, business property, jewelry, bicycles, cameras, etc.

*Increased limits are available for additional premium.

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