Condo insurance provides protection where condo associations do not. Condo and town house coverage protects everything inside the 4 walls including personal property, flooring, cabinets, appliances, furniture, anything attached inside, including interior walls. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations and wallpaper. Please ask about Loss Assessment coverage, to cover you from losses that occur with the HOA. The HOA can asses each owner, for a loss they pay on, so make sure you’re covered.
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