Water's Edge Insurance

The condominium provides insurance information which includes the master policy, unit owners' insurance needs, fidelity bond coverage, claims, certificates of insurance as well as contact information. There were no changes made to the contract which has been renewed for another year and for that reason the previous synopsis is provided.

Please note that the insurance on your unit provided by the Condominium covers the "as-built" condition--everything that was present in your unit when it was first built (which includes rugs, appliances, furnace, all of contractor's grade). No upgrades since the unit was built are covered by the condominium insurance package, including additions such as porches and upgraded flooring.  This means that you need to insure the difference. Take this into consideration when you determine the insurance you will contract separately.

All personal effects in your home are not insured in any way by the condominium and should be covered by you personally.

Effective October 1, 2020, the Maryland Condominium Act was amended to state that up to the first $10,000 of the Master Policy deductible on a covered claim may be the responsibility of the homeowner where the damages originated. This means that you need to add this coverage to your individual HO-6 insurance policy.  

Contact the Management Agent for a copy of your insurance certificate for year 2025 and please do not contact the insurance company directly since this may result in a charge.