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First, you need to read your Condo agreement and see if the air conditioner is your property or if it if part of the joint property such as the roof. If it is your property a HO-4 homeowners policy normally has coverage for a certain amount of property that is part of the building. A central air unit is part of the building but window units are usually personal property.

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Q: Does condo insurance cover stolen air conditioner units?
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