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If you own a condo, it is your private space in a shared space. The insurance protection you need comes from more than one policy. You need coverage that reflects this requirement. In the case of a fire, the policy that provides protection depends on where the fire started and what damage occurred.
Master Policy For the Condo Complex
Every condominium complex needs a master insurance policy to cover the common and shared spaces, such as the grounds, the elevator(s), and the lobby. It is your right as a condo owner to get a copy of this master insurance policy so you can learn about the coverage.
An easy way to understand the terms and conditions of this master policy is to work with your agent at Bogden Insurance Agency in Berlin, CT. Ask questions and get your agent to explain the coverage and discuss any of your concerns.
Insurance Policy For Your Condo
Your condo needs its own insurance policy. It is your responsibility to have adequate condo insurance. Whether a claim should be made for a covered peril depends on what happened.
Insurance Policy of Your Neighbors
If a fire breaks out in your neighbor’s kitchen and burns through the wall to damage your condo, the neighbor’s insurance will be involved. The same can be said about smoke and water damage.
Complex Insurance Coverage
Some situations for an insurance claim with condo insurance may be quite complex. A covered peril may involve three insurance companies. Ask your agent to explain various hypothetical cases for you to consider and to conduct a condo insurance review to analyze your protection and make adjustments if necessary.
Reach out to us at Bogden Insurance Agency in Berlin, CT, for all your condo insurance needs.
