You might hear of “studs in” or “studs out” coverage. This refers to the boundary of coverage in some insurance policies.
A master policy, for instance, might be “studs out,” meaning it covers everything from the studs out to the exterior for each unit. This would not be an “all in” policy, and the unit owner would need to pay for additional insurance to cover their own unit from the “studs in.”
Brownstone Insurance writes master policies that provides “all in” coverage. Individual unit owners still need a policy to cover their personal property, but their unit’s ceiling, walls, floors, installed fixtures, appliances and cabinets would all be covered under the building policy, in addition to the building's common areas, hallways roofs, energy equipment and sidewalks.
Don't be let down by sub-par coverage. Contact Brownstone Insurance for a free coverage evaluation and learn the benefits of insuring your property mult-unit with us.
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