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Condo insurance protects what your association doesn't
Condo insurance covers your personal belongings and the interior of your structure — from the walls in. This includes countertops, cabinets, flooring, as well as personal liability coverage and temporary living expenses in the event of a covered loss.
Your condo association will carry a master insurance policy that covers the things they’re responsible for, including the grounds, common areas (such as hallways and elevators), and the outside/physical structure of your condo. In most cases, your personal property and the interior of the condo aren’t covered by the association’s insurance policy.