Looking for Condo Insurance in Champions Gate?
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(also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically has an insurance policy that covers the physical structure/building and other common areas.
Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets, appliances, and fixtures that your condo association’s insurance likely doesn’t cover.
Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. This is especially important if you have a Town home.
Condo insurance for Town-homes in Champions Gate Florida
It’s also important to understand that some town-homes are insured like condos, and therefore require an HO-6 policy. Other Town Homes will require a Home Owners Insurance Policy which is called an HO-3. The difference is that an HO-3 Policy provides coverage for the exterior of the house and the roof.
HO-6 Policies do not cover the exterior of the home or the roof.
If you live in a town-home, be sure that you have the correct type of insurance. The best course of action is to check with the President of the Home Owners Association and ask which type of insurance policy you need.
Discovery Insurance Agency is here to help you understand the differences between a homeowners policy and a condo policy.