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Understanding Condo Insurance and Co-op Insurance

August 31, 2022

The Essential Information You Need to Buy the Best Condo Insurance Do you own a condominium (condo) or co-operative apartment (co-op) or are you thinking of buying one? Insurance for co-ops and condos is a lot more complicated than homeowner insurance. A lot of people invest in condos without understanding the full implication of their responsibility, or they […]

Filed Under: American Heritage, Condo Tagged With: condo coverage, condo insurance, condominium insurance, condos, purchasing condo insurance

Your homeowners policy may address your condo special assessment. But don’t expect coverage in all cases.

August 24, 2022

Q: You recently wrote a column about condominium building’s reserve funds. You failed to mention that condo special assessments are an insurable risk. I just increased my coverage from a limit of $1,000 to $50,000 for an extra $10 per year. You should mention this to your readers. A: Thanks for bringing this up. You are […]

Filed Under: American Heritage, Condo Tagged With: condo coverage, condo insurance, condominium insurance, coverage, homeowners policy

Insuring a co-op or condo

August 17, 2022

Because co-op and condominium owners share their building structures, two policies—a master policy and an individual policy—are required to fully protect all parties involved. Learn more about insuring a co-op or condo. If you are purchasing a condo or co-op, the bank will require insurance to protect its investment in your home, and your co-op […]

Filed Under: American Heritage, Condo Tagged With: condo insurance, condominium insurance, condos, insurance policy

Insurance Facts for Condo Owners

August 10, 2022

While condominium units belong completely to their owners from their unit walls inward, their exteriors are usually communally owned. Condominium communities feature joint ownership of building exteriors, roads and other common areas by all unit owner-members of those communities. Because condo units share aspects of their legal ownership with other parties, their insurance requirements differ […]

Filed Under: American Heritage, Condo Tagged With: condo insurance, condominium insurance, condos

What Is Condo Insurance?

August 3, 2022

If you own a condominium, co-op, or townhouse unit, you may need to buy a condo insurance policy. Much like homeowners insurance, condo insurance can protect your dwelling, furniture, clothing, and valuables in the event of a covered peril or hazard. It can also protect your assets from liability claims and pay for temporary housing […]

Filed Under: American Heritage, Condo Tagged With: condo insurance, condominium insurance, condos

What is Condo (HO6) Insurance and What Does it Cover?

June 26, 2019Leave a Comment

Condo insurance, also known as an HO6 insurance policy, provides condo unit owners coverage for their properties, protects against liability claims and helps cover costs if the unit is uninhabitable. A condominium insurance policy is often called walls-in coverage, as it protects the individual unit, whereas your condo association’s master policy generally covers all common […]

Filed Under: American Heritage, Condo Tagged With: condo insurance, HO6 Insurance

Condo vs Homeowners Insurance

June 19, 2019Leave a Comment

In many ways, buying a condo is similar to buying a house: you get the freedom of owning your living space but you also have to take responsibility for what happens to it. So how similar are insurance coverages for condos and houses? Let’s find out. Condos vs Houses: The Ins and Outs of Your […]

Filed Under: American Heritage, Condo, Home Tagged With: condo insurance, homeowners insurance

Condo Insurance 101

June 5, 2019Leave a Comment

What is Condo Insurance? Condo insurance provides coverage for the inside of your condominium; the external areas fall under the jurisdiction of your condo association and must be covered under the association’s insurance policy. Depending upon the specifics of your condominium association’s master policy, your condo insurance may include coverage for: The interior walls Your […]

Filed Under: American Heritage, Condo Tagged With: condo insurance, condominium insurance, condos, HO-6 insurance

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