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Condo Insurance
Personal-property, liability and loss-of-use protection subject to the selected HO-6 policy form and limits.
Unit improvements, fixtures and betterments should be reviewed alongside the condominium association master policy.
Loss-assessment coverage is contract-specific and should never be assumed to pay every association assessment.
Water, wind, hurricane and flood exposures require careful review of the actual policy and separate flood options where needed.
Deductibles, master-policy responsibilities and association documents can materially affect the coverage conversation.