Your association documents come first
Condo insurance should work alongside the association’s master policy. The declaration and bylaws help identify what you are responsible for insuring inside your unit.
What to review
Your responsibility for the unit
Bring the association documents and details of improvements so we can discuss the building coverage you may need.
Belongings and liability
Review your personal property, liability and additional living expense options.
Loss assessments
Ask how loss assessment coverage works, including its limits, exclusions and treatment of association deductibles.
Compare before you choose
| Compare | Question to resolve |
|---|---|
| Unit responsibility | Identify what the association insures and what you must insure, including improvements. |
| Association deductible | Ask whether an assessment for the master policy deductible could be covered, and under what conditions. |
| Personal property | Compare limits and valuation for your belongings separately from the unit building limit. |
Already insured? Share your current policy through Canopy Connect, or contact our team to arrange another way to provide your declarations page.
What to bring to the conversation
- Association declaration, bylaws and master policy information
- Current unit-owner declarations page
- Details of interior improvements
Call our office or book a conversation. The team can explain which additional details are needed for your situation.
Questions before you choose
Does the association insure everything inside my condo?
Do not assume it does. Responsibilities vary by association. Review the governing documents and master policy.
Is any association assessment covered?
No. Coverage depends on the reason for the assessment and your policy’s terms and limits.
Helpful consumer resources
NAIC home insurance consumer guide
General information is a starting point. Your policy documents, endorsements, exclusions and limits determine your coverage. Product availability and eligibility vary.