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Condominium Insurance protects your home in the event of fire, water damage (from leaking pipes), burglary, hail, wind, and other calamities. It also guards against personal injury to another person or property inside your home. Although most condominium corporations carry a master policy to protect the entire building, this is not the same as an individual policy. Each condo owner must take out their own policy to cover their unit and their personal belongings. Condominium Insurance should be purchased by residents that are purchasing the unit. Those that are renting their condominiums should purchase a renters insurance policy. In addition, if you have pets, this should be stated upfront as most insurance companies will deny your claim if the animal causes personal injury.