When you own and live in a condominium, having liability coverage is essential. No matter how well you maintain your unit, accidents can still happen. Someone could get injured while visiting you, leading to a costly lawsuit or claim. Fortunately, condo insurance typically includes liability protection to safeguard you in such situations.

What Liability Coverage Includes

Condominium insurance policies generally cover physical injuries and personal property damage sustained by guests. However, certain exceptions may apply, such as incidents involving contagious illnesses or running a business from your Middletown, DE condo. If you host visitors for business purposes, it’s important to speak with an insurance agent about additional coverage options.

Liability protection isn’t always limited to accidents that occur within your home. It can also cover accidental harm caused by your children or pets outside of your condo unit. This coverage extends to both property damage and injuries, making it especially valuable if you have children or own a dog that spends time outdoors.

Keep in mind that deductibles and coverage limits typically apply to liability protection. These amounts vary depending on your specific policy and insurer. You may have the option to upgrade your condo policy for enhanced protection or to add an umbrella policy for additional liability coverage.

Understanding the Master Policy

Condo associations usually have their own insurance, often referred to as a master policy. This policy covers liability in shared areas of the property, such as parking lots, hallways, elevators, and swimming pools. In some cases, decks or porches may be covered by either the master policy or an individual condo policy, depending on the circumstances.

If you have questions or are ready to sign up for condo insurance, turn to the experts at Blue Hen Insurance LLC in Middletown, DE. Our independent agency offers reliable policies from a variety of trusted insurers. We can help you determine the right amount of liability coverage for your home. Contact Blue Hen Insurance LLC today at 302-696-2242.