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Typically no. Condos present a very different risk to insurers than a single family home. policies issued for condo owners generally cover only the interior portions of the unit. Sometimes referred to as "Wall to Wall" coverage or "Sheet Rock to Sheet Rock". Anything inside the walls is usually not covered.
Plumbing leaks in Condos are usually covered under the Condo Associations master risk policy for shared structure and conveyances.
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Where can one find information on condo insurance?
Condo insurance can be purchased at the same places that sell homeowners insurance and will cover the costs of your property inside your condo and will pay for damages incurred.
Does homeowners insurance cover foreclosure?
No. Homeowners Insurance does not cover the owners default on a mortgage note.
Does personal lines insurance include homeowners' associations?
Personal lines insurance typically does not include coverage for homeowners' associations. Homeowners' associations typically have their own insurance policies to cover their common areas and buildings. Individual homeowners may choose to purchase personal lines insurance to cover their own property within the homeowners' association.
Does homeowners insurance cover your child damaging the neighbors vehicle?
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
Does homeowners insurance cover sprinkler system?
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
Does homeowners insurance cover your mortgage if you are laid off?
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Does homeowners insurance cover hospital from a car accident?
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
Does homeowners' liability insurance cover personal injury on another property?
No, your Homeowners Insurance will not. Your Medical Insurance Will.
Will homeowners cover tire theft?
Homeowners insurance does not cover automobile nor there parts.
Will homeowners insurance cover removal of healthy trees?
No, Homeowners Insurance is Hazard Insurance it does not cover the costs of asthetics. That's landscaping or Lawn Maintenance.
Does my homeowners insurance cover a neighbors dog attacking my dog?
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
Will your condo insurance policy cover sewer back up?
No. Sewer back-up coverage is usually available as an endorsement that can be added to a homeowners policy. A condo should be insured on a for HO-6 homeowners policy. You should really look closely at the endorsements available and see what you need and what you don't need. Also be familiar with your condo agreement so you will understand what your responsibilities are for insurance on the common areas and common properties as well.
