Start with the association documents
The master policy and bylaws help determine where association responsibility ends and unit owner responsibility begins. That distinction matters when choosing building property coverage.
Protect improvements and belongings
Renovated kitchens, flooring, fixtures, furniture, electronics, jewelry, and other personal property may require careful limits or scheduling.
Consider loss assessment
Certain covered losses can result in an assessment to unit owners. Available protection varies, so the association deductible and policy terms are important parts of the review.