Will condo insurance pay for the repair of my front door?

Condo insurance, like homeowners insurance, provides protection and coverage for many things. However, it can be confusing when understanding what’s covered and what’s not. Neff & Associates Insurance Services Inc can take the confusion out of understanding condo insurance for Pismo Beach, CA residents. 

What is Condo Insurance?

Condo insurance is also referred to as H06 insurance. This insurance covers legal liability and much more. A condo insurance policy can cover damage to the interior of your condo unit, your personal items, and even living expenses. However, condo insurance is only designed to cover the interior of your condo unit. The condo association covers the exterior of your condo unit. As a result, who covers what can be confusing when determining how to get something fixed.

Will Condo Insurance Pay for the Repair of my Front Door?

As a condo owner, your condo association may be responsible for repairing your door, depending on how it was damaged. If the damage fits the condo association’s coverage guidelines, your condo association will repair it. However, your condo insurance may cover the repair of your front door if the damage is within the covered policy guidelines. You’ll likely need to speak with the condo association and your condo insurance company to determine who’s responsible. Conversely, if your front door is damaged due to negligence, you may have to pay for the repair of your door out of pocket. Likely, the damage may not be covered under the condo association’s policy nor your condo policy. If you have questions about condo insurance, call us. We’d be happy to help you explore the benefits.