Q. What does my condo corporation cover?

Your condo corporation’s insurance policy only covers items that are originally part of the building and its common areas like walls, roofs, floors, elevators, swimming pools and any associated out buildings. That’s why it’s important to get condo insurance, which is designed to cover:

• Your personal liability, should someone hurt themselves while visiting your home
• Any investments you’ve made to upgrade the unit
• Your shared responsibility of common areas
• Your condo unit, in case your condo corporation’s insurance doesn’t cover your loss fully