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Pennsylvania Condo Insurance Coverage

Condo Insurance

Condo Insurance

It is not a requirement under Pennsylvania law that condominium owners buy insurance. However, most lenders usually will require them to do so. That said, condominium insurance is different from traditional homeowners insurance because there are many people living in separate properties that are connected to one another. For this reason, there will be a condo association who will be responsible for buying certain insurances that are required by Pennsylvania law.

This insurance will cover common areas like stairways and the exterior features of the building, and each condo owner will pay membership dues to their association to cover the cost of this insurance. Condo insurance can also cover damage to the grounds and amenities, such as tennis courts and swimming pools, and this insurance is referred to as a master policy.

Insurances for a Condominium Owner

The master policy purchased by your condominium association will come in two types: bare walls in and all in. Bare walls in will cover only the exterior of the building, and all in takes care of interior contents, such as appliances and fixtures, but it will exclude your personal belongings.

You can purchase condo insurance to cover renovations and work done inside the unit if your association has an all in policy, and you can obtain coverage to insure your appliances and fixtures if the association has a walls in policy. Also, you can insure the contents of your home with general condo insurance, and you can buy liability insurance to protect you if someone is injured in your home.

Affiliated Insurance Services Corp Can Help You

We can provide the various insurance types that you need for your condominium whether it is to insure your valuables or the structures within your property. Also, we at Affiliated Insurance Services Corp invite you to use the insurance tool on our website to find a quote on homeowners and automobile insurance. Give us a call, or stop by our Pennsylvania office location, and we will be happy to all your condo insurance needs.

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