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More than likely part of your HOA fee goes to the insurance coverage that your condo association has purchased for your unit's building and common areas within your condo community. But, you are left to your own devices when it comes to damage within your dwelling unit. This often leaves condo owners feeling vulnerable. You may even find that to purchase a condo within a specific community you are required to purchase a "walls-in" insurance policy before you are allowed to live within the community.
Luckily, condo insurance coverage is not expensive and the coverage options are vast. You may even find that you are able to get a discount on your auto insurance policy if you purchase this condo coverage with the same company.
As you are shopping through different condo coverage options, be sure that you understand what these condo coverage terms mean...
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