A condominium association master policy and an individual condo policy cover different parts of the risk. The exact division depends on the association documents and master-policy terms, which is why a condo quote is stronger when that information is available.
An individual quote may consider the value of interior improvements, personal property, personal liability, loss assessment, water backup and other unit-owner exposures.
The master policy may be described with terms such as bare walls, single entity or all-in. If you do not know which applies, a copy of the association insurance summary or declarations can help the review.
The goal is coordination, not duplication. A quote should be evaluated alongside what the association is actually responsible for and what remains the unit owner’s responsibility.
Start at cjhadisa.com/quote/condo and upload association or current-policy information when available.
Review your protection options