What kinds of damage is my Boston condo insurance supposed to cover, and what will my building’s insurance cover? What’s the process for figuring out who pays?


 Your Boston condo insurance will cover damage that occurs within your four walls, while your building’s policy covers anything that happens outside of them, according to the insurance industry.

If you are a Boston condo owner, you cover the internal structure of your condominium, as well as contents. Your individual policy will generally cover fire, theft, smoke, vandalism, water damage from broken pipes and overflows of toilets, sinks, and dishwashers.

Your building’s policy, on the other hand, should cover everything that is outside your own four walls. And as for determining who pays in the event of damage. Your Boston condo docs / agreement with the building will determine whether your policy or the master building policy or both will cover a claim.

In the event of damage, co-op shareholders should consult their building’s proprietary lease, as it will include language about who is responsible for covering repairs. Both co-op and condo owners who take out mortgages are typically required to take out an insurance policy, according to Investopedia.

Apartment Rental Insurance

Renters, meanwhile, have no such requirement, though it is highly recommended in order to protect you in the event of damage to your own property, and that of your neighbors.

Apartment insurance will cover the tenant’s personal property and any fixtures they have purchased. It should also include liability coverage, so that the tenant is covered in the event of an incident,

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Author Profile

John Ford
John Ford

Over the course of 20 years in the Boston downtown real estate market, John represented and sold numerous, condominiums, investment and development properties in Greater Boston and in the surrounding suburbs

In addition to representing Boston condo buyers and sellers, John is currently one of the most recognized Boston condo blog writers regarding Boston condominiums and residential real estate markets. John's insights and observations about the Boston condo market have been seen in a wide variety of the most established local & national media outlets including; Banker and Tradesman, Boston Magazine The Boston Globe, The Boston Herald and NewsWeek and Fortune magazine, among others.


For over 24 years, John Ford, of Ford Realty Inc., has been actively involved in the real estate industry. He started his career in commercial real estate with a national firm Spaulding & Slye and quickly realized that he had a passion for residential properties. In 1999, John entered the residential real estate market, and in 2000 John Started his own firm Ford Realty Inc. As a broker, his clients have come to love his fun, vivacious, and friendly attitude. He prides himself on bringing honesty and integrity to the entire home buying and selling process. In addition to helping buyers and sellers, he also works with rental clients. Whether you’re looking to purchase a new Boston condo or rent an apartment, you’ll quickly learn why John has a 97% closing rate.


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John Ford and his staff can be reached at 617-595-3712 or 617-720-5454. Please feel free to stop by John's Boston Beacon Hill office located at 137 Charles Street.

John Ford
Ford Realty Inc
137 Charles Street
Boston, Ma 02114



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