I recently purchased an ocean front condominium why do I need to buy insurance if the association has insurance?

Your condominium association insurance covers the condominium building, commonly owned property, and liability for the association. That insurance policy won’t cover you or your personal property.

Most of the time the associations coverage stops at the interior walls meaning your are responsible for the interior walls, fixtures and other interior items including your personal property as well as liability.

Another important coverage that is commonly misunderstood and often overlooked is loss assessment coverage. Your Hoffman and Associates agent will explain all of the necessary coverage in detail.

Our Melbourne Home Insurance Agency is centrally located in Brevard County, enabling us to locally serve Viera, Cocoa Beach and Palm Bay.

Questions And Answers about Florida Insurance