To adequately insure your condo or townhome, it is important to know which parts of your dwelling are covered by the association and which are not.

We can help you read your association’s bylaws and determine exactly what you need to insure!

Sometimes the association is responsible for insuring the individual condo units, as they were originally built, including standard fixtures. You are then only responsible for alterations to the original structure.

Sometimes, however, the association is only responsible for insuring the bare floor, ceiling and walls. You must insure everything else.

Ask us for help - we will be happy to sit down and do a careful review with you to make sure you have no "gaps" between policies!