Condominiums Master policy provides coverage for common areas such as Building exteriors, Hallways, Lobbies, Elevators, Common walls, posts, windows, outside railings, etc. These policies however do not provide coverage towards unit owners personal items such as furniture, fixtures, appliances, clothing. They also do not provide coverage for unit owners floor coverings whether it is tiles, wood, or carpeting as well as ceiling coverings and also coverage for interior walls, bathrooms, kitchens, air conditioners, closets, etc. Purchasing Individual policies protects owners from losses on these items form catastrophes such as fire, hurricane, wind, water damage and more. Unit owners are also provided personal liability coverage as part of every policy to protect owners from lawsuit claims of other owners that can accrue from damage as a result of an owners apartment. Insurance policies include a deductible to offset the premium pricing, please read your policy for more information on coverage's, terms, covered risks and exclusions.

Renters also benefit from acquiring a personal insurance policy. Protecting their valuables from theft and catastrophic damages, as well as having coverage on the property can be a benefit to insure their security deposits will be returned when the time comes and no further collections will be attempted by landlords to remedy damages to their premises caused by catastrophic losses by the tenant's occupancy.

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Citizens Customer Svc

For more information please follow the Home Insurance Info Link
or refer to you Inurance policy for the detailed specifics.