When you own a condo, protecting your investment typically involves carrying a condo insurance policy, also known as an HO-6 policy. However, many condo owners wonder about situations beyond property damage, such as what happens if a guest gets injured inside their unit. Understanding how condo insurance through Griffith Insurance LLP, serving West Chester, PA, and surrounding areas, handles personal injury to guests can help you avoid surprises down the road.
What Liability Coverage Typically Includes
Most standard condo insurance policies include personal liability coverage. This part of your policy is designed to help if someone visiting your condo accidentally gets injured and holds you responsible. For example, if a friend trips over a loose rug in your living room and breaks their ankle, liability coverage can help pay for their medical bills or legal costs if they decide to sue.
Liability coverage also typically covers expenses, such as settlements or court judgments, up to your policy limit. This protection is one of the main reasons condo insurance is so important, even if your condo association has a master policy that covers the building itself.
Where Coverage Might Not Apply
It’s important to note that personal liability under condo insurance usually only applies to injuries that occur inside your unit or private areas you own. If a guest slips in a common hallway or near the community pool, those incidents may fall under your condo association’s insurance. Reviewing your association’s master policy is essential to understand who covers what.
If you frequently host guests, it may be wise to discuss higher liability limits with your insurance agent at Griffith Insurance LLP, serving West Chester, PA, and surrounding areas. Contact us today to learn more or explore coverage options tailored to your needs.
