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"Real" Coverage

Property insurance covers all permanent structures up to and including the unfinished floors, walls and ceilings. Depending on your policy and how it is written, it can also include permanently installed machinery and equipment, as well as completed additions and fixtures.

A typical property policy will cover the following for a:

  • Condominium Association or Townhouse: all common areas, including the physical structure or shell of the unit. Depending on the CC&Rs, your association may need to insure all betterments and improvements within the units as well as any attached fixtures.

  • Planned Unit Development: All common property, including clubhouse, pool, tennis courts, spas, but NOT the structures that are individually owned.

As a general rule of thumb, property insurance covers all “real” property and insurable improvements maintained and/or owned by your association, including:

  • Buildings such as rest rooms, offices, clubhouse, equipment rooms and guardhouses
  • Structures like pools, walkways, fountains, fencing, statues, roadways, courts, gates and play equipment
  • Other property such as accounts receivables, signs, plants, trees, fine art, computer equipment and furnishings.


Contact us today to discuss your Property Insurance needs.

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