While your condominium association may offer insurance coverage, it’s still in your best interest to get your own condo insurance policy in place. This is because critical areas such as the interior of your unit, your personal possessions, and liability are generally not covered by a condominium association policy. 

Here are some ways that condo insurance can provide you with additional coverage:

• Interior structure, such as flooring, inner walls, countertops, and fixtures
• Personal belongings
• Liability if guests are to become injured or have their belongings damaged or stolen while staying at your condo
• Loss assessment if the condominium association holds residents responsible for damages to common areas
• Identity theft

Understanding the difference between what’s covered by insurance through a condominium association and what you’re responsible for on your own can save you the heartache and financial burden if a loss is to occur.

​Our experienced agents at Flagler County Insurance Agency are here to walk you through these differences and to help you choose the best condo insurance policy that suits your specific needs.