Personal condo insurance generally does not cover:
Normal wear and tear of your unit
Intentional, fraudulent or criminal losses
Vermin and insect damage
Flooding (if in a flood-prone area)
Failure to reasonably protect your home
Sewer backup
War and terrorism
Good to know When comparing condo insurance quotes, be aware that they do not all cover the same things or at the same amounts. Unless something is explicitly named in your policy, ask your insurer if you want to protect against a specific kind of risk or cover a valuable object.