{"id":62,"date":"2021-09-30T04:00:00","date_gmt":"2021-09-30T10:00:00","guid":{"rendered":"https:\/\/www.ellisinsure.com\/blog\/?p=62"},"modified":"2021-10-04T10:56:03","modified_gmt":"2021-10-04T16:56:03","slug":"what-is-covered-by-your-condo-hoas-insurance","status":"publish","type":"post","link":"https:\/\/www.ellisinsure.com\/blog\/what-is-covered-by-your-condo-hoas-insurance\/","title":{"rendered":"What Is Covered By Your Condo HOA&#8217;s Insurance?"},"content":{"rendered":"<p>Condo owners have the luxury of having the outside of their home and community areas covered under their condo association&#8217;s insurance policy. However, not everything in a condo community is covered by the master HOA insurance plan. As a condo owner in San Antonio, TX, you need to purchase additional insurance to cover things your condo association does not cover.&nbsp;<\/p>\n<p>So what exactly does my condo association&#8217;s master insurance policy cover? Would you please continue reading to learn more and then call our agents at Ellis Insurance Agency to discuss your condo insurance coverage options?&nbsp;<\/p>\n<p><strong>Condo Insurance vs. Condo Association Insurance<\/strong><\/p>\n<p>Your condo insurance covers your needs and what directly impacts you as an owner of a condo unit. The condo association insurance typically covers all common areas of the building and property and some protection of the interior structure, depending on their policy and building design.&nbsp;<\/p>\n<p><strong>What is Covered by Your Condo&#8217;s Master Insurance Policy?&nbsp;<\/strong><\/p>\n<p>Regardless of the policy your condo association carries, you can expect most HOA&#8217;s insurance to cover the following:&nbsp;<\/p>\n<ul>\n<li>The exterior of the condominium building<\/li>\n<li>Common areas, including exercise rooms, swimming pools, lobbies, outdoor pavilions, etc.&nbsp;<\/li>\n<li>The land around the building<\/li>\n<\/ul>\n<p><strong>What is Not Covered by Your Condo Association&#8217;s Master Insurance Policy?&nbsp;<\/strong><\/p>\n<p>When purchasing your condo insurance, check with your HOA to learn more about the condo association&#8217;s level of structural insurance protection. In most cases, the master insurance policy protects the outside walls up to the inside border of your unit. Additionally, your condo association&#8217;s master insurance policy does not cover your personal belongings, anything damaged inside your unit and does not protect you against liability claims in your unit.&nbsp;<\/p>\n<p>With questions about their condo association&#8217;s master insurance policy, condo owners in San Antonio, TX, should reach out to the experts at Ellis Insurance Agency for assistance.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Condo owners have the luxury of having the outside of their home and community areas covered under their condo association&#8217;s insurance policy. However, not everything in a condo community is covered by the master HOA insurance plan. As a condo owner in San Antonio, TX, you need to purchase additional insurance to cover things your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[5],"tags":[14,13],"class_list":["post-62","post","type-post","status-publish","format-standard","hentry","category-condo-insurance","tag-ellis-insurance-agency","tag-san-antonio-tx"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/posts\/62","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/comments?post=62"}],"version-history":[{"count":1,"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/posts\/62\/revisions"}],"predecessor-version":[{"id":63,"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/posts\/62\/revisions\/63"}],"wp:attachment":[{"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/media?parent=62"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/categories?post=62"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ellisinsure.com\/blog\/wp-json\/wp\/v2\/tags?post=62"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}