I had insurance called 'Studs in' insurance. Basically my condo fees cover the main building structure, but the condo papers clearly state you are responsible for anything INSIDE the condo and the windows and doors. This can be a pain as they can mandate you replace something and you have to. Or they put a lien on your property. Right now I have to put a sliding glass door in my condo, at my expense, which is $1600. That kinds of stinks, but it is in my best interest and the integrity of my condo. I have a townhouse style condo. I have my own entrances that no one else uses, which is good.
My condo did have a water leak one time when I was on vacation, but my Studs In insurance covered everything fully. The walls, ceilings, rugs and anything else was replaced or fixed.
I am looking forward to going back to my condo,updating it and moving back in. I like the lifestyle... its great for people not home often, or for people who have no kids and work full time. I hate spending my weekends doing yard work and house work on a house when I want to be out having fun after a 50+ hour work week.
__________________ “Petting, scratching, and cuddling a dog could be as soothing to the mind and heart as deep meditation and almost as good for the soul as prayer.” ― Dean Koontz |