B. Coverage B: Personal Property - Condominium Unit
If the owner of a condominium unit has insured personal property under Coverage B, coverage is provided for the interior walls, floor, and ceiling (not otherwise insured under a flood insurance policy purchased by the condominium association) for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at the policyholder's option but reduces the personal property limit of liability.
Photograph of several beachfront condominium buildings
A pencil writing across paper.

Adjuster Tip: If there is an RCBAP in effect on the building in which the unit is located, the RCBAP is always primary. Building improvements are insured under the RCBAP, even if at the unit owner's expense. In order for such improvements to be insured under the unit owner's Dwelling Form policy, it must be confirmed and documented that there is no RCBAP in effect for the building in which the unit is located.