Peloquin Insurance Agency

	Exclusions	Earthquakes, Flooding, Enforcement of Building Codes & Similar Laws, Power Failure, Neglect, War Nuclear Hazard, Intentional Acts
	Master Policy	The common areas you share with other tenants should be covered by a master policy owned by the property. These areas include common areas, elements of the building such as roof, stairways, elevators, basements, electrical wiring, piping, vents & etc. The master policy should protect the policyholder(s) from liability and physical damage. The master policy may also cover individual units as they were originally built, but may or may not cover fixtures. The master policy may cover original fixtures, but not improvements. If you or a former owner has made improvements; you will want to be sure they are covered under your individual unit owner policy. The condo association Board of Directors should be able to provide the information or appropriate documents that explain the coverage. It is important for you to know exactly what the master policy covers so that you can purchase appropriate individual coverage for your unit and your contents.
	Named Perils	Fire or Lightning, Windstorm or Hail, Explosion, Riot or Civil Disturbance, Aircraft, Vehicles, Smoke, Vandalism or Malicious Mischief, Theft, Falling Objects, Weight of Ice, Sleet or Snow, Accidental Discharge or Overflow of Water, Sudden and Accidental Tearing Apart, Freezing, Artificially Generated Electrical Charge, Volcanic Eruption