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Condo Insurance… what does and doesn’t your HOA cover?

If you own a condominium, you’ll need an individual condo insurance policy even though your HOA has its own coverage.

Condo association insurance typically covers building exteriors and common areas. Many HOA policies won’t cover anything inside your walls… even plumbing and wiring?

When it comes to the interior of your unit you should review your HOA’s master policy and contact a Mountain Insurance adviser to determine the amount of coverage you need.

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Most common Denver Condo Insurance questions from our clients

My HOA requires that my policy include “loss assessment” coverage… what is it?

Several years of extreme hail damage in Colorado has necessitated the companies to establish separate large wind/hail property deductibles. In larger condo complexes, deductibles from hailstorms can be well in excess of $100,000. If the HOA general fund is insufficient the HOA will require the condo unit owners to file a claim on their policy under “loss assessment” to cover the shortage.

Does a condo policy cover water damage?

Optional water/sewer backup and sump overflow coverage can be purchased. This coverage doesn’t apply if the loss is flood induced.

Will my policy cover a guest injured from a fall on ice in the parking lot?

NO, your HOA policy will cover for injuries sustained in the common areas. Condo Insurance Liability will provide coverage if a guest is injured in your unit.

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