Condo insurance is designed specifically to protect condo owners in the event of a covered peril. Whereas standard homeowners insurance covers the building structure, condo insurance covers from the studs of the walls in. In addition, condo insurance covers liability, MedPay, and additional living expenses in the event of that you must live somewhere else while your condo is being repaired due to a covered claim.
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Condo owners may also be required to purchase into a “master policy” provided by the homeowners association. This policy would be shared by all tenants and covers damages to common areas of the building such as the roof, basement, elevators, boiler and walkways. Check with your homeowners association about a Master policy.
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