This is a great question, and isn’t very clear on your policy declarations page. A standard condo policy is a named perils policy. Condo Unit Owners Special Coverage A upgrades the coverage to open perils.
OK, but what does that mean? Good question, instead of rewriting all of that here, check out our Open Perils vs Named Perils article. If you prefer, you can call a Think Safe Insurance expert. We’d also be happy to answer any questions and review your current coverage. 813-425-1626