This coverage is written for the owner-occupied condominium unit providing coverage for the homeowner's personal property, loss of use, personal liability and medical payments to others. It also can include coverage for the unit itself which is based on the exclusions on the Master Policy written for the Association. Usually, the condominium association buys insurance to cover the property (building and structures) and liability coverage for the general association. If you own a condominium, you may be responsible for covering the "walls in" of your unit. This can include but is not limited to the interior walls, flooring, lighting fixtures, and any improvements made to the unit from date of construction. It is best to consult the Association for the details on the By-Laws and advise your agent so they may make the necessary adjustments to your personal policy to avoid any "gaps" in coverage. The property portion of this policy is subject to a deductible per loss.