Descriptions of Coverage

Condo Insurance Coverage

These are the different general types of coverage available in a Condo policy:

Coverage A
This covers permanent furnishings. That means anything permanently attached to the walls (from the studs inwards), such as custom cabinets or bookcases, custom flooring or counters, woodwork, etc.
Coverage C
This covers the contents: appliances, clothing, jewelry, cameras, furnishings, etc. If it's not built into the unit, this part protects it to the limit of your policy.
Coverage D
This covers living expenses that occur when you can't live in your home due to covered damage
Coverage E
This covers legal liability to others for you and your immediate family, as long as they live at the covered home, up to the limits of the policy ($100,000 — $500,000).
Coverage F
This covers necessary medical expenses incurred by others for injuries caused by incidents at the insured property, or caused by insured household members.

Why it's needed

Think you're covered by the Condo Association? Think again.

  • The association isn't responsible for any of your belongings.
  • The association's insurance doesn't cover any part of the building from the studs of your walls in.
  • Associations sometimes won't cover damage that started in another unit. Overflows from sinks and tubs, or fire and smoke can easily cost you money.
  • If the building suffers damage from a storm or fire, it's likely you will, too.
  • The association's policy doesn't cover living expenses if your unit is so damaged you need to move out for a while.
  • The association's policy doesn't cover liability for your actions, or people getting hurt in your unit.


* Product, service, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services or coverage. For more information, please contact Electric Insurance Company at 800.227.2757. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.


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