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Going Beyond Bedrooms and Bathrooms: What You Should Know Before Buying a Condo

Condo .

There are a lot of details to consider before you buy a condo. From the number of cabinets in the kitchen to how many owners live in the complex, be sure to check these quick tips to help you get started.

Cabinets and Appliances

Look at the kitchen, take into account both its layout and age. Make sure there are enough cabinets for all your cookware and gadgets, and imagine preparing a meal in that space so that you can see how well the kitchen's workflow is designed. Check the age of the appliances, and be prepared to replace any that are too old.

Where do I Park?

Find out whether any parking spaces are included with the condo or available for an extra fee. A designated space for each car you own is the most convenient, however, not all condominium complexes offer designated spaces. You might have access to an open parking lot, or you may even be restricted to nearby street parking.

Bylaws and Rules

Read through all of the regulations line by line so you understand what condo owners must follow. Combing through every detail is tedious, but it’s important to know what is and isn’t allowed. For example, if you have a pet, want a flower garden, or even desire to remodel, understanding what’s permitted will help determine if the property works for you.

Master Insurance Policy

The condo association should have a master insurance policy, which is typically used to insure the association against liability lawsuits and a complex’s common property against certain causes of damage. Sometimes, an association’s master policy also provides coverage for certain features or upgrades inside individual units.

Obtain a copy of the condo association’s master policy and ask your insurance agent whether the policy provides adequate protection for the association. Ask your agent to provide you with a condo insurance policy that complements the master policy’s protections. If you don’t already have someone who can help you, contact an independent insurance agent.

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