Condo Master Insurance Coverage Massachusetts

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Condominium associations across Massachusetts have unique insurance responsibilities. One of the most important is securing a Master Condo Association Insurance Policy, which helps protect shared spaces, the building’s structure, and, in some cases, portions of individual units.

Whether your condo association is a small 3-unit building or a large multi-floor complex, it’s crucial to understand what a master condo insurance policy covers—and what it doesn’t.

What Does a Master Condo Association Insurance Policy Cover?

A condo association master policy is designed to protect the building’s shared property and common areas. The extent of coverage depends on the type of policy, but it typically includes:

• Common area property coverage – Protection for shared spaces like elevators, hallways, lobbies, landscaping, and amenities such as gyms or pools.

• Structural building coverage – Coverage for the main structure, including walls, roofs, and foundations, depending on how the policy is written.

• General liability insurance – If someone is injured in a shared area, the master policy may help cover legal and medical expenses.

These essential protections ensure that your condo association can operate smoothly even after an unexpected event.

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What the Master Condo Policy Does Not Cover

A common misconception among condo owners is that the master insurance policy covers everything—but that’s rarely true. Here are some typical exclusions:

• Personal property – Furniture, electronics, clothing, and other personal items are not covered under the master policy.

• Unit interiors and upgrades – Flooring, cabinetry, walls, and upgrades inside individual units are usually the responsibility of the unit owner’s personal HO-6 condo insurance policy.

• Loss of use – Expenses such as hotel stays or temporary housing after a loss are typically covered under an owner’s personal condo policy, not the master policy.

To be fully protected, every unit owner should maintain their own personal condo insurance (HO-6) policy to complement the master policy.

How to Choose the Right Condo Association Insurance in Massachusetts

Selecting the right condo master policy requires expertise and local knowledge. Factors such as the building’s age, construction type, and association bylaws all impact coverage needs.

At Savin Jones Insurance Agency, we specialize in Condo Association and Master Condo Insurance throughout Boston, Cambridge, Somerville, and surrounding Massachusetts communities. Our team can:

• Review your existing condo master policy

• Identify potential coverage gaps

• Customize a cost-effective solution tailored to your association

Protect Your Condo Association with the Right Coverage

Don’t leave your condominium exposed to unnecessary risk. Let Savin Jones Insurance help you secure the right protection with A-rated insurance carriers and highly competitive pricing.We offer consistent renewal history, avoiding the huge spikes other companies impose. Our renewal history shows less than 4% average annual increases, keeping costs stable long term.!

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📞 Contact us today (617) 474-9900 today to discuss your Condo Association Master Insurance Policy in Boston, MA, and learn how we can help you Save up to 40% on your Master Condo Insurance policy.