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Owners of condominium units obviously do not own the entire condominium complex. Typically, they own their own unit outright and share ownership of the rest of the complex with all the other owners.
From an insurance point of view, that means all individual unit owners have a collective responsibility for insuring areas of the complex owned in common -- building exteriors and hallways, the pool area, etc. A condominium association typically collects monthly dues from unit owners and uses a portion of these funds to insure common areas.
Meanwhile, the unit owner typically is responsible for separately insuring everything within the four walls of his or her individual unit.
The condo association's master policy, as well as association rules, should spell out clearly which parts of the complex are insured through association dues, and which parts are not.
There are two broad categories of master polices
Two types of master policies
Bare walls-in. Covers all real property from the exterior framing inward, but does not cover the fixtures and installations within the condo unit. So, things like granite countertops, bathroom and kitchen fixtures, and the flooring are not covered by the master policy. This condo owner will probably have the greatest coverage need, according to Slattery.
All-in. Covers fixtures, installations or additions within the interior surfaces of the perimeter walls, floors and ceilings of individual units. This condo owner will probably have a more limited coverage need, according to Slattery.
There are also variations of the two types. These details should be spelled out in the condominium association bylaws.
"Most bylaws will talk about anything within the four walls of the unit you own,