Condo Media - February 2023 - 29
PERSONAL
PROPERTY
AND OTHER
CONSIDERATIONS
To add insult to injury, the master policy for your
association does not provide any coverage for your
personal property, including computers, electronics,
furniture, clothing, etc., so you must make sure
that your homeowner policy provides an adequate
amount of money for damage to any of these
items. Select a coverage limit for your personal
property by making a list with replacement costs
to determine the value of your items.
IF YOU OWNER-OCCUPY
and the unit is uninhabitable, the association
master policy will not pay for you to stay at
a hotel; only your homeowner policy provides
this coverage.
FOR INVESTOR OWNERS
who lease their units, tenants must obtain their
own renter's insurance policy to protect their
belongings and personal property as these will be
excluded under both your homeowner policy and
the master property insurance coverage. If you are
a landlord, you should make sure that you have
suffi cient coverage on your HO6 policy for loss
of rent in the event that the damage to your unit
makes it impossible for your tenants to continue
to stay there while you must continue to make
payments for condominium fees and mortgages.
As a unit owner, you can protect your interests
and your home by fi nding out exactly what items
the master policy for your association actually covers
in a claim situation. You may fi nd that it provides
funding for repairs to everything or to very little,
making your homeowner policy or you personally
responsible, if you have no insurance. You may also
be surprised to discover that the master policy
deductible is more than you thought it was.
The best way for a unit owner to be protected
from unexpected costs in an insurance loss is to
obtain an HO6 or homeowner policy and update it
annually to cover any gap between the association
master policy and your pocket book.
■ PATRICIA BRAWLEY, CMCA,
AMS, PCAM IS THE OWNER OF
CENTRAL MANAGEMENT &
CONSULTING SERVICES.
February 2023 CONDOMEDIA 29
Condo Media - February 2023
Table of Contents for the Digital Edition of Condo Media - February 2023
Contents
Condo Media - February 2023 - Intro
Condo Media - February 2023 - Cover1
Condo Media - February 2023 - Cover2
Condo Media - February 2023 - Contents
Condo Media - February 2023 - 2
Condo Media - February 2023 - 3
Condo Media - February 2023 - 4
Condo Media - February 2023 - 5
Condo Media - February 2023 - 6
Condo Media - February 2023 - 7
Condo Media - February 2023 - 8
Condo Media - February 2023 - 9
Condo Media - February 2023 - 10
Condo Media - February 2023 - 11
Condo Media - February 2023 - 12
Condo Media - February 2023 - 13
Condo Media - February 2023 - 14
Condo Media - February 2023 - 15
Condo Media - February 2023 - 16
Condo Media - February 2023 - 17
Condo Media - February 2023 - 18
Condo Media - February 2023 - 19
Condo Media - February 2023 - 20
Condo Media - February 2023 - 21
Condo Media - February 2023 - 22
Condo Media - February 2023 - 23
Condo Media - February 2023 - 24
Condo Media - February 2023 - 25
Condo Media - February 2023 - 26
Condo Media - February 2023 - 27
Condo Media - February 2023 - 28
Condo Media - February 2023 - 29
Condo Media - February 2023 - 30
Condo Media - February 2023 - 31
Condo Media - February 2023 - 32
Condo Media - February 2023 - 33
Condo Media - February 2023 - 34
Condo Media - February 2023 - 35
Condo Media - February 2023 - 36
Condo Media - February 2023 - 37
Condo Media - February 2023 - 38
Condo Media - February 2023 - 39
Condo Media - February 2023 - 40
Condo Media - February 2023 - 41
Condo Media - February 2023 - 42
Condo Media - February 2023 - 43
Condo Media - February 2023 - 44
Condo Media - February 2023 - 45
Condo Media - February 2023 - 46
Condo Media - February 2023 - 47
Condo Media - February 2023 - 48
Condo Media - February 2023 - Cover3
Condo Media - February 2023 - Cover4
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