Like home insurance, a typical condo insurance policy for your Bloomsburg, PA home is going to provide some basic coverage for a guest’s belongings up to a certain limit. But… it depends.
Do They Have Their Own Insurance?
If your guests have their own dwelling insurance, then their insurer will probably be the one covering the damages. This is a benefit of home insurance, renters insurance, and condo insurance that many people are not aware of: Your possessions are covered even outside of the home.
That means that if you have something stolen from your car, and it’s on your inventory, then your insurance company is going to cover it.
Are They a Guest or a Tenant?
If someone is renting a room in your condo, then it gets a little more complicated. Typically, their possessions would be covered under a renters insurance policy that they buy themselves.
In this case, it basically breaks down like any tenant/landlord scenario. You’d be responsible for broken windows, damaged water pipes, and so on, which is probably covered under the insurance you hold with your condo association. At the same time, they would be responsible for the possessions found inside the dwelling.
Are You Covered in the First Place?
Finally, it would be best if you made sure that you are actually covered. Remember that the insurance you buy through your condo association only covers the building itself. To cover what’s inside your Bloomsburg, PA condo, you’ll need to get in touch with The Good Insurance Group LLC and see about a condo insurance policy.
The Good Insurance Group LLC can provide you and your guests with protection and peace of mind.