Condominium's represent a different form of ownership. When you purchase a unit and improve that unit there are always questions over what the master policy covers and what the unit insurance covers. The master policy will either cover unit improvements "based on the policy wording" or  "per the condominium documents".  "Policy wording"  means somewhere in the insurance policy there is a clause that defines whether improvements made by unit owners are covered or not covered. "Per the condominium document"  claims mean that the insurance company refers to the insurance section in your condominium documents. If the condominium documents require the trustees to insure unit improvements they are covered. If the condominium documents do not require the trustees to insure unit improvements or the documents are ambiguous you have "bare-wall coverage".

Check out our FTP site. You'll find an extensive list of the condominium documents. If you don't see your association then send us your documents and we'll be happy to add them to the list.

Below is a list of the carriers we represent and how they respond to unit improvements.

The coverage analysis above is based on our internal research. Master insurance policies change and so do by-laws. For these reasons, we strongly suggest you confirm the policy information with your customer service representative. Our office does not assume any responsibility for  updating the content of this website to reflect future change.