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As a condominium owner, generally, you are covered by two insurance policies:

  • The master policy, which insures all the assets owned in common, and may include liability insurance
  • The HO-6 homeowner's policy that you carry, which insures your assets that only you own.
Read about the insurance coverage required for the community in your governing documents to verify that the liability coverage would cover a vendor -- assuming that the cable TV company is a vendor of the association.


You can claim for damage repair under your HO-6 policy, and tell your carrier about how the damage occurred.


Then the insurance companies can decide who is liable for the repairs.
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14y ago
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14y ago

Usually condominium associations carry a master insurance policy that covers common areas and limited common areas. Then each unit owner carries an HO-6 policy, covering property not covered by the master policy.

Depending on the cause of the water damage, one or the other policy should cover the repair.


Call your HO-6 policy broker and make a claim. Then the agent can help the insurers decide who has the responsibility to fix -- and this may be you -- and who has the responsibility to pay for the repairs.

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Q: If the cable tv company causes water damage to a condo unit will the condo association insurance cover it?
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