Condo Insurance in Pennsylvania

Condo insurance is different from homeowners insurance because your association's master policy and your personal policy share responsibility. Daniel Fitzsimmons Agency helps Pennsylvania condo owners review where the master policy stops and where individual coverage should begin.

Understanding the Master Policy

Association policies may cover common areas, shared amenities, building exteriors, and certain interior elements. Some are written on a "bare walls" basis, while others are broader "all in" policies. Your personal condo policy can help protect improvements, belongings, liability, and living expenses after covered losses.

Useful Condo Coverage Options

Depending on your building documents and personal property, you may want to review:

• Loss assessment: Helps with certain association assessments after covered claims.
• Replacement cost personal property: Helps replace covered belongings without subtracting for depreciation.
• Loss of use: Helps with temporary living costs after a covered claim makes the unit unlivable.
• Umbrella insurance: Adds liability protection above eligible underlying policies.
• Valuables coverage: Provides added protection for jewelry, art, collectibles, and similar items.
• Water-related options: Helps address specific water backup, sewer, or flood exposures when available.

If you rent the condo to others, additional coverage may be needed. Contact Daniel Fitzsimmons Agency in Dresher, PA to compare condo insurance options and review your association requirements.