Confused about condo insurance - do I need these options?
Okay, dumb question here, but I'm buying condo insurance for the first time and I don't know whether I need the following optional insurance. They were included in the quote they gave me.
I just bought my first place in a concrete, high-rise condo. I don't live in a townhouse nor the penhouse floor (if that makes a difference). Any help appreciated!
3.3 Outdoor drain and surface water coverage
3.3.1 With this extra coverage, we’ll pay for insured damage to your property caused by:
1) water from a blocked or backed up outdoor drain, sewer, sump or septic tank;
2) water from heavy rainfall or snowmelt that’s flowed over the ground before entering your
home or detached structure(s).
3.6 Extra roof leak coverage
3.6.1
With this extra coverage, you have broader coverage for loss or damage to your property caused by
sudden and accidental water leaks through a roof or from around windows or skylights.
3.6.2
You’re covered for damage to your property resulting from sudden water entry through your roof,
windows or skylights caused by:
a) 1.1.14.1 wear and tear;
b) 1.1.14.6 faulty or defective workmanship, materials or design;
c) 1.1.14.11 rodents, raccoons, skunks, insects, bats or birds;
d) 1.1.14.15 inherent vice or latent defect;
e) 1.1.14.16 extreme changes in temperature.
The exclusions listed above don’t apply if they’ve caused damage as described. You’re not covered
for loss or damage to the roof, windows or skylights themselves.
All other terms, conditions, limitations and exclusions of this policy continue to apply. For example,
repeated or continuous water leaks and flooding from any natural water source remain excluded
I just bought my first place in a concrete, high-rise condo. I don't live in a townhouse nor the penhouse floor (if that makes a difference). Any help appreciated!
3.3 Outdoor drain and surface water coverage
3.3.1 With this extra coverage, we’ll pay for insured damage to your property caused by:
1) water from a blocked or backed up outdoor drain, sewer, sump or septic tank;
2) water from heavy rainfall or snowmelt that’s flowed over the ground before entering your
home or detached structure(s).
3.6 Extra roof leak coverage
3.6.1
With this extra coverage, you have broader coverage for loss or damage to your property caused by
sudden and accidental water leaks through a roof or from around windows or skylights.
3.6.2
You’re covered for damage to your property resulting from sudden water entry through your roof,
windows or skylights caused by:
a) 1.1.14.1 wear and tear;
b) 1.1.14.6 faulty or defective workmanship, materials or design;
c) 1.1.14.11 rodents, raccoons, skunks, insects, bats or birds;
d) 1.1.14.15 inherent vice or latent defect;
e) 1.1.14.16 extreme changes in temperature.
The exclusions listed above don’t apply if they’ve caused damage as described. You’re not covered
for loss or damage to the roof, windows or skylights themselves.
All other terms, conditions, limitations and exclusions of this policy continue to apply. For example,
repeated or continuous water leaks and flooding from any natural water source remain excluded
