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Be certain you’re protected

Many condo unit owners mistakenly assume that their building’s master insurance policy covers them fully — and that can lead to big problems. In addition to securing your own insurance coverage, you need to be aware of any changes to your association’s master policy, so you can avoid coverage gaps.

Also, if you or the prior owner of your condo installed permanent upgrades, such as wall coverings or cabinetry, or renovated the kitchen or bathroom, you may no longer be covered by your association’s insurance policy.

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