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What does a Condo Association Insurance Policy cover?

  • Bare walls - coverage for the common elements, usually excludes property within the unit such as interior walls, permanently installed appliances, fixtures, finishings, floors and ceilings
  • Single entity - coverage for the common elements, usually includes initially installed property in accordance with the association's original plans and specifications
  • All in - coverage for the common elements, plus initially installed property, plus improvements and betterments made at the expense of the unit owner

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