Whether you live in a condo, a house or an apartment, your windows are your invaluable opening to the outside world. Will condo insurance cover them?

It’s a question often posed to our team.

Here’s the answer from our St. Augustine, FL condo insurance professionals.

Condo Insurance and Windows

Windows are more valuable than most condo and homeowners think. Even if you are renting a condo, your windows are of the utmost importance. Get a quote for window replacement and you’ll likely be shocked as to just how valuable they are.

Oftentimes, condo owners find it difficult to determine the classification of windows. In general, condo owners are responsible for repairs and replacement of private spaces. 

Common areas and shared areas tend to be the responsibility of the overarching condo authority. Corridors, laundry facilities and courtyards are considered common areas in condo units.

As a result, you’ll need condo insurance to cover your windows, whether they need repair or replacement.

Exclusive Common Elements

In general, the windows of a condo unit are typically considered an exclusive common element. As such, the windows are likely covered by each individual condo unit owner’s policy. 

However, an exception might arise based on the window type. If the outside portion of the window is damaged, it might be the condo association’s collective responsibility. The interior portion of the window is almost always viewed as the condo owners’ responsibility.

Contact Tim Huber Insurance Today

If you are considering buying or renting a condo, you’ll need insurance. Tim Huber Insurance serves the entirety of the greater St. Augustine, FL area. Dial 904-824-2555 to get a personalized condo insurance quote.