You are responsible for any damage caused to someone else's property, why did they let you move in the condo without proper insurance is beyond me, whether the unit below you is rented or not is of no consequence, the unit is damaged because of your fridge, so you will probably be sued for damages.
Another Answer
Read your governing documents to determine your requirement to carry an HO-6 policy, which may or may not be stated there. Inquire of your board as to your responsibility for carrying an HO-6 policy.
The bigger issue is to repair the damage, which because it involves water, will precipitate mold growth.
Because you own the refrigerator and because it leaked causing damage not only to your unit, but to the unit below and the property between the floors that belongs to everyone -- common area -- you may well be responsible to pay for the repair.
Carrying an HO-6 insurance policy on a condominium is not only best practices, but is good, common sense. Your question is a good example of why.
Builders suppies and often directly from quarries
You either have to buy it directly from the exchange with real money, or buy Builders Club, Turbo Builders Club or Ultra Builders Club (also with real money).
The association's master policy -- that covers all the real estate that the association owns/ owners own with all other owners -- spells out its coverage in the event of a leaky roof. If you carry an HO-6 policy -- individual unit owners insurance -- you can turn the issue over to your insurance carrier and give the carrier the authority to work it out with the master policy carrier. Otherwise, you may be able to learn more by contacting the master policy carrier directly. Your association's board may not be fully knowledgeable about its insurance coverage.
The association's treasurer can answer your question directly.
You can find aig auto insurance quote directly online on the aig website. You can also call aig directly to get a quote.
You can contact Geico directly via their website or email. The company will be able to assist you directly. On their website, you can even get free insurance quotes.
Yes, you should call a direct-insurer (which is the insurance company) and you can buy your insurance from them directly.
Progressive car insurance is a car insurance company that is available nationwide in the United States. You can purchase the insurance directly from their website.
An insurance company generally does not pay the lien holder directly. The vehicle owner is responsible for paying for insurance coverage and will often deal with the insurance company themselves after a collision has taken place.
community
No insurance. You pay for care directly.
One can purchase car insurance by contacting their local insurance broker. Many insurance companies such as Progressive, Geico, and Allstate can be contacted directly to purchase insurance.