Thank you for sharing!

Your article was successfully shared with the contacts you provided.

Condominiums are a unique type of property with unique characteristics. They are different from a stand-alone home because while the insured owns the condo, they only own the interior and the personal property. The condo owner is not responsible for roof maintenance or for replacing the siding. That is the responsibility of the homeowners association, which collects a fee from all unit owners to be able to provide those maintenance services.

A condo is also different from an apartment in that while the condo owner may only own a portion of the unit, the condo owner is liable for certain portions of the interior that an apartment dweller is not liable for. It also provides the condo owner with certain freedoms, such as painting the walls any color the insured wants, replacing carpet with hardwood, redoing the kitchen, etc.

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.  

More from this author


Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Coverage Q&A: Fancy Sunglasses - Jewelry or Not? ›

Are sunglasses with gemstones considered jewelry or other property?

Question of the Week Archive ›

Copyright © 2024 ALM Global, LLC. All Rights Reserved.