Here's a look at some of the coverages provided by a standard Allstate condo insurance policy.

Personal property coverage

This helps pay to repair or replace the possessions inside your condo or townhome, like furniture, electronics and clothes, if they're damaged by a covered peril. When you purchase your policy, you may be able to choose between two types of personal property coverage:

Actual cash value, which helps reimburse you for your belongings' depreciated value based on factors such as their age or condition.
Reimbursement provision, which pays you for the depreciated value of your belongings, and then, after you've replaced an item, sends a second reimbursement check for the remaining amount needed to purchase the new item.

Liability coverage

If someone sues you after being injured in your condo unit or you're responsible for repairs after you accidentally damage another person's property, condo liability insurance may help pay for your expenses.

Guest medical coverage

If a visitor is injured while on your property, this coverage helps pay for X-rays, ambulance rides and other reasonable and necessary medical expenses, even if you are not at fault.

Additional living expenses

This coverage helps reimburse you for increased living costs if you temporarily can't live in your condo or townhouse after a covered claim. It typically helps you pay for food, a temporary place to live and more.

Building property protection

If belongings that aren't typically considered personal property, like cabinetry and appliances, are damaged in a covered claim, this coverage helps pay to repair or replace them. In some cases, though, these items are covered by your condo association's master policy.