What if you rent or own a condo?

Renters insurance generally covers personal belongings, certain liability claims, and additional living expenses following a covered loss. Your landlord’s insurance typically protects the building rather than your possessions.

Condo insurance should work alongside the association’s master policy. Review both to understand responsibility for your unit’s interior, personal belongings, and shared property.

If you rent out a property you own, tell your insurer how it is used. Ask whether landlord coverage or other additional protection is needed.