Condo Owners: Think You’re Fully Covered? Think Again.

If you own a condo, chances are you’ve heard the phrase “covered by the master policy” more times than you can count. And while that sounds reassuring, here’s the truth: your condo association’s insurance isn’t the safety net you might think it is.

At Alpha/Omega Coverage, we talk to Staten Island condo owners all the time who assume their HOA policy protects everything; from their furniture to their kitchen upgrades to any accidents that happen in their home. Unfortunately, that’s not how it works.

Let’s break it down.👇

🔍 What Is Covered by the HOA’s Master Policy?

Usually, the association’s policy covers:

• The exterior structure of the building (walls, roof, etc.)

• Shared spaces like hallways, lobbies, pools, and gyms

• Original fixtures in your condo

  
  

But inside your condo unit? That’s where things get a little fuzzy.

🚫 What’s Not Covered (And Why You Should Care)

Your personal space, including the things you’ve spent time and money on is usually your responsibility to insure. That means:

• Your personal belongings (furniture, clothes, electronics)

• Interior upgrades (think hardwood floors, custom cabinets, or fancy light fixtures)

• Damage from water leaks, fires, or theft inside your unit

• Liability if someone gets hurt while visiting you

If disaster strikes, and all you’ve got is the master policy, you could be on the hook for thousands or more.

🛡️ That’s Where We Come In

At Alpha/Omega Coverage, we help condo owners across Staten Island figure out exactly what their current policy covers and where the gaps are. We take the time to explain it all in real talk (no insurance jargon here) so you can feel confident knowing your home is protected, inside and out.

Whether you’re a first-time condo owner or you’ve been in your unit for years, it never hurts to double-check your coverage before something happens.

✅ Ready for Peace of Mind?

Let’s review your policy together. It’s quick, easy, and free. And it could save you major headaches down the line.

📞 Give us a call today at (718) 494-4440 or shoot us a message. We’re local, independent, and always on your side.

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