Covered Losses & Liabilities | Condominium Insurance | Shelter Insurance®

Covered Losses and Liabilities

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Shelter condominium insurance offers protection for the following covered losses and liabilities.

Covered Losses1

 Building PropertyPersonal Property
Fire x x
Lightning x x
Wind or hail x x
Theft x x
Vandalism x x
Explosions x x
Breakage of glass x x
Riot or civil commotion x x
Damage by aircraft x x
Smoke x x
Loss caused by vehicles x x
Volcanic eruption x x
Collapse of buildings x x
Falling objects x x
Weight of ice, snow, or sleet x x
Escape of water from plumbing x x
Chemical or acid spills x  
Accidental damage to building x  
Spilled paint x  
Water backup resulting from ice blockage x  

Covered Liabilities

  • Your animals
  • Fire
  • Damage to property of others
  • Medical expenses for others injured on premises
  • Lawsuits based on your negligence
  • Unintentional activities

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.

1 All coverage is subject to exclusions. Some types of property are not covered at all, and some types of losses are not covered. The policy purchased and the facts of each situation will control in the event of a loss.