While your master policy covers the structures of the building and common areas like the roof, basement, elevator, and walkways, it does not cover anything within your own unit. Condominium insurance provides coverage for your personal possessions, structural improvements within your unit and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy.
Generally, condominium insurance also provides liability coverage against lawsuits for bodily injury or property damage that you or family members cause to other people in your own unit. It pays for both the cost of defending you in court and for any damages a court rules you must pay.
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