What does coverage include?
Your condominium unit owners policy will protect your personal property against loss or damage from a number of specified causes, such as:
Fire or lightning
Weight of ice, snow or sleet
Windstorm or hail
Theft
Explosion
Riot
Water escape
Impact by aircraft or land vehicle
Vehicle damage
Smoke
Artificially generated electrical current
Vandalism or malicious acts
Falling objects
Transportation
Breakage of glass
Your personal property is covered against these kinds of losses both at your residence and any other location worldwide, subject to some restrictions. For example, theft from another residence you own, if you are not temporarily residing there at the time, is not covered.
Guest's property would be covered within your unit. Most basic coverage for property does not include flood or earthquake insurance coverage. To protect your condominium unit against these possibly other unspecified losses, you need special coverage.
This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.
