{"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":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Whether you&#039;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&#039;s essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring,\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.9\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Renee Oliver Insurance Agency, Inc. -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.\" \/>\n\t\t<meta property=\"og:description\" content=\"Whether you&#039;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&#039;s essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring,\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2025-05-30T10:00:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2025-05-27T15:03:46+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Whether you&#039;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&#039;s essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring,\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#blogposting\",\"name\":\"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.\",\"headline\":\"What Does Condo Insurance Fail to Protect?\",\"author\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/#organization\"},\"datePublished\":\"2025-05-30T04:00:00-06:00\",\"dateModified\":\"2025-05-27T09:03:46-06:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#webpage\"},\"articleSection\":\"Condo Insurance, condo insurance, Renee Oliver Insurance Agency, Silver Spring MD\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/category\\\/condo-insurance\\\/#listItem\",\"name\":\"Condo Insurance\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/category\\\/condo-insurance\\\/#listItem\",\"position\":2,\"name\":\"Condo Insurance\",\"item\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/category\\\/condo-insurance\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#listItem\",\"name\":\"What Does Condo Insurance Fail to Protect?\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#listItem\",\"position\":3,\"name\":\"What Does Condo Insurance Fail to Protect?\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/category\\\/condo-insurance\\\/#listItem\",\"name\":\"Condo Insurance\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/#organization\",\"name\":\"Blog | Renee Oliver Insurance Agency, Inc.\",\"url\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/author\\\/agentinsure\\\/#author\",\"url\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/author\\\/agentinsure\\\/\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"admin\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#webpage\",\"url\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/\",\"name\":\"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.\",\"description\":\"Whether you'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's essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring,\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/what-does-condo-insurance-fail-to-protect\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"datePublished\":\"2025-05-30T04:00:00-06:00\",\"dateModified\":\"2025-05-27T09:03:46-06:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/\",\"name\":\"Blog | Renee Oliver Insurance Agency, Inc.\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.roliverinsurance.net\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.","description":"Whether you'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's essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring,","canonical_url":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#blogposting","name":"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.","headline":"What Does Condo Insurance Fail to Protect?","author":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/author\/agentinsure\/#author"},"publisher":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/#organization"},"datePublished":"2025-05-30T04:00:00-06:00","dateModified":"2025-05-27T09:03:46-06:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#webpage"},"isPartOf":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#webpage"},"articleSection":"Condo Insurance, condo insurance, Renee Oliver Insurance Agency, Silver Spring MD"},{"@type":"BreadcrumbList","@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.roliverinsurance.net\/blog#listItem","position":1,"name":"Home","item":"https:\/\/www.roliverinsurance.net\/blog","nextItem":{"@type":"ListItem","@id":"https:\/\/www.roliverinsurance.net\/blog\/category\/condo-insurance\/#listItem","name":"Condo Insurance"}},{"@type":"ListItem","@id":"https:\/\/www.roliverinsurance.net\/blog\/category\/condo-insurance\/#listItem","position":2,"name":"Condo Insurance","item":"https:\/\/www.roliverinsurance.net\/blog\/category\/condo-insurance\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#listItem","name":"What Does Condo Insurance Fail to Protect?"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.roliverinsurance.net\/blog#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#listItem","position":3,"name":"What Does Condo Insurance Fail to Protect?","previousItem":{"@type":"ListItem","@id":"https:\/\/www.roliverinsurance.net\/blog\/category\/condo-insurance\/#listItem","name":"Condo Insurance"}}]},{"@type":"Organization","@id":"https:\/\/www.roliverinsurance.net\/blog\/#organization","name":"Blog | Renee Oliver Insurance Agency, Inc.","url":"https:\/\/www.roliverinsurance.net\/blog\/"},{"@type":"Person","@id":"https:\/\/www.roliverinsurance.net\/blog\/author\/agentinsure\/#author","url":"https:\/\/www.roliverinsurance.net\/blog\/author\/agentinsure\/","name":"admin","image":{"@type":"ImageObject","@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g","width":96,"height":96,"caption":"admin"}},{"@type":"WebPage","@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#webpage","url":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/","name":"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.","description":"Whether you'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's essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring,","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/#breadcrumblist"},"author":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/author\/agentinsure\/#author"},"creator":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/author\/agentinsure\/#author"},"datePublished":"2025-05-30T04:00:00-06:00","dateModified":"2025-05-27T09:03:46-06:00"},{"@type":"WebSite","@id":"https:\/\/www.roliverinsurance.net\/blog\/#website","url":"https:\/\/www.roliverinsurance.net\/blog\/","name":"Blog | Renee Oliver Insurance Agency, Inc.","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.roliverinsurance.net\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"Blog | Renee Oliver Insurance Agency, Inc. -","og:type":"article","og:title":"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.","og:description":"Whether you'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's essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring,","og:url":"https:\/\/www.roliverinsurance.net\/blog\/what-does-condo-insurance-fail-to-protect\/","article:published_time":"2025-05-30T10:00:00+00:00","article:modified_time":"2025-05-27T15:03:46+00:00","twitter:card":"summary","twitter:title":"What Does Condo Insurance Fail to Protect? - Blog | Renee Oliver Insurance Agency, Inc.","twitter:description":"Whether you'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's essential to consider potential areas that may require additional coverage. At Renee Oliver Insurance Agency Inc. in Silver Spring,"},"aioseo_meta_data":{"post_id":"114","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2025-05-30 10:15:45","updated":"2025-06-04 04:48:37","seo_analyzer_scan_date":null},"_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}]}}