Condominium-Unit Owners’ Form (HO-6) covers property and certain items not insured by the association’s policy against the perils included in Broad Form (HO-2). It also includes personal liability coverage.

A condominium association may choose to cover some items in its policy, so make sure you are thoroughly familiar with its bylaws and policy to know what the association is responsible. The condo association policy does not cover:

• Floor, wall and ceiling coverings
• Electrical fixtures
• Appliances
• Air conditioning and heating equipment
• Water heaters
• Water filters
• Built-in cabinets and countertops
• Window treatments including drapes, blinds and hardware replacement
• Air conditioning compressors that serve only one unit no matter where they are located.

Condo associations can also require unit owners to insure items such as front doors and screened porches. In addition, unit owners should continue to insure interior additions or upgrades which are not the same kind or quality as the original building items. If an item is covered by both policies, the association’s and unit owner’s policy, then the association’s policy pays first.

This change also affects the amount of coverage needed for the building under the unit owner’s policy, so it is important to review your existing policy with your agent to make sure you are adequately covered.