Even when the association has a policy for the outside of the building, you, as the unit owner, would still be responsible for your own personal property and interior fixtures of your unit.
Condominium insurance is a unique policy that protects a condo unit owner in the even of a covered peril. It also affords a unit owner coverage for things like personal liability and medical payments in the event someone is accidentally injured in your unit.
Loss assessment is an additional coverage that can be added to a policy to help cover certain special assessments that are issued by the association.
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SJD Insurance Services, Inc.