What Is Not Covered By Condo Insurance?


Insurance is all about providing protection against possible unfortunate events. Regarding condos, owners often seek to protect their property with condo insurance. But the question arises, what is not covered by condo insurance? In this article, we will delve into the depths of condo insurance and reveal what it generally does not cover.

What Condo Insurance Generally Covers

Before we proceed to what condo insurance does not cover, let’s first understand the basics of what it does. Three primary areas typically covered are building property coverage, personal property coverage, and liability coverage. This includes the physical structure of the condo, personal belongings inside, and legal expenses if you’re sued for an accident that happens in your condo.

Understanding What Condo Insurance Does Not Cover

Once you grasp what is covered, it becomes easier to identify the gaps in coverage. Let’s uncover the hidden elements.

Natural Disasters

Two of the most significant exclusions from condo insurance are damages from natural disasters like floods and earthquakes.

Maintenance-Related Damages

Damages from improper maintenance, like mold or pest infestation, are generally not covered.

Valuable Personal Items

Your grandma’s diamond necklace or your collection of rare paintings might not be covered under a standard condo insurance policy.

Condo Upgrades and Improvements

If you’ve upgraded your unit from marble countertops to hardwood floors, the additional cost of these improvements may not be covered.

Importance of Understanding Your Condo Insurance Policy

Understanding your condo insurance policy is crucial. It allows you to ensure adequate coverage and avoid unnecessary costs. By recognizing the gaps in your policy, you can take action to ensure you’re protected.

Solutions to Cover What Condo Insurance Doesn’t

So, how can you fill these gaps? Here are a couple of solutions.

Additional Coverages

For risks not covered under your standard condo insurance, additional policies like flood or earthquake insurance and valuable personal property insurance can be purchased.

Regular Maintenance

Regularly maintaining your condo helps prevent damages your insurance policy might not cover.


1. Are damages from all-natural disasters excluded from condo insurance? 

No, typically, only floods and earthquakes are excluded. Damages from events like fire or windstorms are generally covered.

2. What can I do if my valuable items exceed my condo insurance coverage limit? 

You can consider purchasing additional coverage, known as a rider, specifically for these items.

3. Is the lack of coverage for condo upgrades a standard policy? 

It varies from policy to policy. It’s best to check with your insurance provider.

4. Can I rely on my condo association’s insurance? 

It depends on what their “master policy” covers. It’s advisable to understand both your policy and your association’s policy thoroughly.

5. How often should I review my condo insurance policy? 

At a minimum, annually. You should also review it anytime you make significant upgrades to your unit.


A comprehensive understanding of your condo insurance policy, including what is and isn’t covered, is crucial to avoid financial surprises. Remember, the best defense is a good offense – understanding what your condo insurance doesn’t cover allows you to take proactive measures to protect your investment.

Find out what the benefits of an automatic door-locking system for your home from our blogs at Security Forward.

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