Condo insurance

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1. Yes, while your condo association’s master policy typically covers the building structure and common areas, you may still want to consider adding coverage for backup sewer/drain/sump pump on your homeowners insurance. This coverage can protect you from damage caused by water backup in your plumbing system, which might occur due to blockages or heavy rainfall.

   Specifically, this coverage generally helps with:

   1. Water Damage: If water backs up into your condo, it can cause significant damage to your floors, walls, personal belongings, and electrical systems.
   2. Cleanup Costs: This can cover the expenses associated with cleanup and repairs.
   3. Personal Property: It can also help replace personal items damaged by water, like furniture and electronics.

   It’s a good idea to review your current policy and discuss with your insurance agent to see if you need to add this coverage, especially if you live in an area prone to flooding or heavy rain.

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