If you own a condo in Pittsburgh, PA, it’s important to understand what your condo association insurance policy covers. At Gallina and Sons, we offer condo insurance policies in Pittsburgh.

The following are four things your condo association insurance policy should cover. 

Common areas

One of the potential expenses that just about any condo association insurance policy should cover is damages related to common areas. If a common area such as a roof, basement, or elevator is damaged, condo association insurance should cover the resulting expenses. 

Liability for the entire association

Condo association coverage also should include liability expenses that the association together experiences. If the association is sued because someone became injured on commonly owned property, the condo association policy should cover the resulting expenses. 

Personal belongings

It’s important to read the fine print and understand exactly what your condo association policy covers. While not all such policies may not offer coverage for personal belongings, some may offer coverage for the personal belongings of individual unit owners. 

It’s important to understand whether your community’s condo association insurance policy offers any coverage for personal belongings. This influences your own need for an individual condo insurance policy. 

Individual units

Some policies might offer coverage to damages within individual units. It’s important for condo owners to be aware if their condo association insurance policy offers such coverage.

If your condo association insurance policy doesn’t offer coverage for such expenses, then it’s important to invest in an individual condo insurance policy offering damages and liability coverage for individual units. 

We’re here to help you with all your questions on condo association insurance. Get in touch with us at Gallina and Sons to learn about your policy options in Pittsburgh, PA.