As a condominium unit owner, you need to protect yourself from the risks associated of being both a homeowner and an association member.

McMahon Insurance recognizes these specialized needs, and maintains a department dedicated to meeting them. Since each Condominium Master Deed can be written differently, we can review the insurance section to determine whether the Association or Unit Owners are responsible for items such as:

    1. Interior Walls and Coverings
    2. Flooring
    3. Bathroom Fixtures
    4. Windows and Doors
    5. Appliances
    6. Kitchen Cabinets and Countertops

We can help clarify coverages in your policy. Unit Owners Insurance covers personal property interior structures which the unit owner is responsible for as well as premises liability of the unit interior, medical payments, and loss of rental income. Condominium Master Policy covers the building as described in the Master Deed, premises liability for common areas, pools, boat slips, docks, and detached structures. Broadening the Perils Covered is the basic structural coverage of the standard unit owners’ policy (HO 6).  Make sure coverage is special form as it provides the most extensive coverage. So, for example, if the roof leaks and water gets onto the carpeting, hardwood floors, cabinets, furniture, etc., causing major damage to these items, the unit owner will have no coverage at all unless you have upgraded the perils covered.

Look to us for coverages including:

  • Condominium Master Policies
  • Unit Owners Insurance HO-6
  • Flood Insurance
  • Directors & Officers (D&O) Liability Insurance
  • Umbrella Coverage

Contact a specialist at McMahon Insurance Agency to learn more about condominium insurance and we'll help you find the perfect policy for you.

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