{"id":114,"date":"2025-05-30T04:00:00","date_gmt":"2025-05-30T10:00:00","guid":{"rendered":"https:\/\/www.roliverinsurance.net\/blog\/?p=114"},"modified":"2025-05-27T09:03:46","modified_gmt":"2025-05-27T15:03:46","slug":"what-does-condo-insurance-fail-to-protect","status":"publish","type":"post","link":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/","title":{"rendered":"What Does Condo Insurance Fail to Protect?"},"content":{"rendered":"<p>Whether you&#8217;re investing in a condo for the first time or looking to maximize your coverage and protection, understanding condo insurance policies is essential. While a standard HO-6 condo policy protects you from most incidents, it&#8217;s essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring, MD, we&#8217;re here to help our clients safeguard themselves and their belongings in condos year-round with the right policies in place.<\/p>\n<h2>What&#8217;s Not Covered with Standard HO-6 Policies<\/h2>\n<p>Here&#8217;s what is not covered by standard HO-6 policies for condo owners in Maryland:<\/p>\n<ul>\n<li><strong>Flood\/Surface Water<\/strong>: Flooding and surface water issues are not covered by standard condo insurance policies. Condo owners may want to consider a separate private flood contents policy or an NFIP (National Flood Insurance Program) policy if they live near a creek with common overflow issues.<\/li>\n<li><strong>Earth Movement<\/strong>: If you&#8217;re near sinkholes, land cracks, or if you believe you&#8217;re at risk of earthquakes, you may consider optional earth-movement coverage for optimal protection.<\/li>\n<li><strong>Sewer\/Drain Backup<\/strong>: Sewer lines and drain backups aren&#8217;t covered by standard policies and may require an added water-backup endorsement.<\/li>\n<li><strong>Building-Code Upgrades<\/strong>: If you&#8217;re required to invest in new drywall or sprinklers around your home or condo, you may require an ordinance or law rider to fill the gaps.<\/li>\n<\/ul>\n<p>Understanding the limitations of a standard HO-6 condo insurance policy is crucial anytime you&#8217;re moving into a condo for the first time or are interested in adding protection to your investment. If you&#8217;re a condo owner in Silver Spring, MD, reviewing your policy is a way for you to determine if you require additional exemptions, riders, or add-on policies as well. To learn more about your current policy and to determine if you require added coverage for a sense of security, contact Renee Oliver Insurance Agency Inc. today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you&#8217;re investing in a condo for the first time or looking to maximize your coverage and protection, understanding condo insurance policies is essential. While a standard HO-6 condo policy protects you from most incidents, it&#8217;s essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[25,12,10],"class_list":["post-114","post","type-post","status-publish","format-standard","hentry","category-condo-insurance","tag-condo-insurance","tag-renee-oliver-insurance-agency","tag-silver-spring-md"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/114","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/comments?post=114"}],"version-history":[{"count":1,"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/114\/revisions"}],"predecessor-version":[{"id":115,"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/114\/revisions\/115"}],"wp:attachment":[{"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/media?parent=114"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/categories?post=114"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.roliverinsurance.net\/blog\/wp-json\/wp\/v2\/tags?post=114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}