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New Hampshire Insurance Blog

What Condo Insurance Does Cover (And Does Not)

Owning a condominium gives you a little more freedom than renting an apartment. However, it also comes with more responsibilities. 

Find out what your condo insurance will and will not cover to protect yourself from excess financial loss. 

Keep in mind that all policies are different. Gateway Property & Casualty, serving Dover, NH, will explain your options when you meet with us. Here’s an overview of what is and is not covered in most condo insurance policies. 

What Is (or Can Be) Covered

Often, a condo insurance policy includes losses resulting from fires, smoke damage, or theft. It might also provide compensation for vandalism, water damage (not floods), or windstorms. 

Some condo insurance policies may cover appliances, clothing, furniture, and other belongings. However, you must make sure you provide evidence of owning these items. 

Condo insurance policies also could provide you with protection against personal liability. In addition, you could end up with compensation for loss of use or fixture repair. 

Your local agent can discuss the rest of the options when consulting you about your condo insurance needs. Now, we will move on to what is not covered. 

What is Not Covered

You may need extra coverage against the costs of damage caused by animals. These include birds, rats, or insects. None of this is typically covered under a standard condo insurance plan. 

Sewage backup or injuries to another person, especially if intentional, may not be paid for under your policy either. 

Precious gems and metals, such as what jewelry is made of, usually are not covered. As far as water damage, that refers to water dripping. It doesn’t mean your condo insurance will cover water damage from a flood. 

Contact us to acquire all the insurance you need for your condo. Gateway Property & Casualty, serving Dover, NH, will assist you with standalone or bundle policies. 

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