Mountain ranges in Montana can accumulate 25 feet of snow in a single winter, with larger cities getting as much as 30 to 50 inches in a year. But with all that wintry beauty comes the potential for exterior and interior damage to your condo. Say a snowstorm caves in the roof over your top-floor unit. Who pays for which repairs? While your HOA is responsible for the roof, your ceiling and any damaged furniture are yours to fix.
Luckily, condo insurance takes care of the interior of your unit, just as it does your belongings damaged due to covered risks like snow, fire, wind, and more. Better yet, your policy also covers your share of repairs if common areas are affected by a snowstorm, so you don't have to pay a fortune to help repair a walkway or patio.