(Home, Renters, Flood, investment property, Mobil Home, vacant, builder risk)
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Basic package offers protection against such perils as fire, lighting, wind & hail (except when excluded) and etc.
Bare walls in Covers all real property from the exterior framing inward, but does not cover the fixtures and installations within the condo unit. So, things like granite countertops, bathroom and kitchen fixtures, and the flooring are not covered by the master policy. This condo owner will probably have the greatest coverage need, according to Slattery.
All-In Covers fixtures, installations or additions within the interior surfaces of the perimeter walls, floors and ceilings of individual units. This condo owner will probably have a more limited coverage need, according to Slattery.
There are also variations of the two types. These details should be spelled out in the condominium association bylaws.
Most bylaws will talk about anything within the four walls of the unit you own,” says Matthew Cullina, director of product management for MetLife Auto & Home in New York. “Everything else is owned by the condo association ownership. Knowing specifically what you own when you buy that condo is the first thing I recommend.”