You need condominium owners insurance to fill in the gaps. If at any time you have a question, need help or would like to see how much it would cost to insure your condo with Travelers, feel free to Request an e Quote . A condominium owners policy provides coverage for your furniture and personal possessions against such covered hazards as fire, lightning, windstorm, hail, explosion, collapse, smoke or vandalism. Also included is coverage for thefts from your unattended car or boat, even if there is no evidence of forced entry. You can choose to increase these amounts if you like.
Every home is different.
You may require special coverages for your individual needs. This means that your personal property is covered in most situations, regardless of the cause of loss. For your convenience, no appraisal or listing of insured items is required. If these structures are not considered to be common property, they are not covered under your Association's Master Policy. This add-on coverage would insure these other structures.