Does condo insurance include personal liability coverage?

Yes. Your condo policy includes personal liability, typically $100,000 to $300,000 per occurrence, for incidents inside your unit or caused by you. If a guest trips in your unit, your dog bites someone, or you cause a water leak that damages a neighbor’s unit, your condo policy liability responds. For condo owners wanting higher limits, a personal umbrella adds $1M or more above the condo policy liability limit.