Condo insurance protects unit owners in Harrisburg area developments from losses that the association's master policy doesn't cover. Condo ownership creates unique insurance needs because your coverage must work together with the building's insurance to provide complete protection for your unit and belongings.

Condo policies typically cover your personal belongings, interior unit improvements you've made, and liability exposure within your unit. The condo association's master policy covers the building structure and common areas, but gaps can exist that your individual policy needs to fill for complete protection.

Pennsylvania condo developments have different master policy structures that affect what individual owners need to insure. Some associations have more comprehensive master policies while others require unit owners to carry more individual coverage, making it important to understand your building's specific insurance arrangement.

Liability protection remains important for condo owners because you can still be held responsible for accidents that occur in your unit or damage you accidentally cause to neighboring units. Water damage from plumbing failures or other unit-specific incidents can affect multiple units, requiring adequate liability coverage.