When you own a condominium, you are responsible for insuring any and all damages within your unit, such as your personal property, but you may also be responsible for interior walls, flooring and ceilings. A condo insurance policy will also provide coverage for your personal liability.
Typically, the condo association will have a master policy that covers damages to the structure of the building and to the common areas and liability coverage for injuries that may occur in the common areas.
Condo insurance is designed to protect you, the condo owner, from financial loss if someone is injured within your home. It will also protect you from damages and loss due to burglary, fire or other incidents.
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