Request the association documents
The master flood declarations and governing documents show the building limit, deductible, insured name, and where association responsibility may end.
For units and associations
Flood insurance for your condo and belongings.
We’ll help you understand what the association’s policy covers and what you may need for your unit, belongings, and possible assessments.
A good place to start
Tell us about the property and what you want to protect.
The condo association’s flood policy may not cover everything inside your unit. Start with the master policy, bylaws, unit boundaries, association deductible, and any coverage you already carry.
Identify unit-owned improvements
Cabinetry, flooring, fixtures, appliances, and other improvements may fall into different responsibility categories depending on the documents and policy form.
Contents remain personal
An association building policy does not insure a unit owner’s furniture, clothing, electronics, and other personal belongings.
Helpful information
Documents that make a condo review clearer
Condo documents and policies differ. Review the association’s coverage, lender requirements, and your own policy rather than guessing where the master policy stops.
- Association flood declarations
- Condominium bylaws and insurance section
- Unit-owner HO-6 declarations
- Association deductible
- Mortgagee requirements
- List of unit improvements and belongings
Helpful resources
Check the details from trusted sources.
These official resources can help with program rules and flood maps. Your issued policy is always the final word on coverage.
Questions we hear often
Know what to ask before you decide.
These answers are a helpful starting point. Your policy documents and confirmation from the insurer provide the final answer.
Does the condo association policy cover my belongings?
Generally no. Personal belongings typically require separate contents coverage carried by the unit owner.
What is an RCBAP?
The NFIP Residential Condominium Building Association Policy is designed for eligible residential condominium associations and insures the building under its terms.
Can I be assessed after flood damage?
Association deductibles or uninsured damage can create assessment questions. Whether any unit-owner policy responds depends on its exact terms.
We’re happy to help
Need a flood insurance quote?
Tell us what you know about the property. We’ll help with the rest and explain your options in plain language.