Living in St. Louis has its perks, from beautiful parks to a thriving local community. But as many residents know, the weather in the Midwest can be unpredictable. From hailstorms to heavy rains and occasional tornadoes, condo owners in St. Louis face weather-related risks that make having the right insurance coverage an important step in protecting their homes.

How Midwest Weather Impacts Condo Owners

St. Louis experiences its fair share of severe weather. Hail can damage roofs, windows, and siding, while heavy rains may lead to water damage in shared spaces or basements. Tornadoes, though less common, can cause widespread destruction to buildings. Many condo owners assume their homeowners association (HOA) insurance will cover these situations, but that’s not always the case.

What HOA Insurance Covers—and What It Doesn’t

HOA insurance typically covers the building’s exterior and shared areas, such as hallways, lobbies, and recreational spaces. However, it often doesn’t include coverage for your personal belongings, the interior of your unit, or any upgrades you’ve made. If a storm damages your condo’s interior or your possessions, you could be left paying for repairs out of pocket without the right condo insurance.

Why Condo Insurance Matters

Condo insurance helps fill the gaps left by HOA policies. It can cover your personal property, repairs to the inside of your unit, and even liability protection if someone is injured in your home during a storm. For St. Louis residents, this extra layer of protection is especially important during storm season.

Prepare Before the Next Storm Hits

Midwest storms can arrive quickly, leaving condo owners to deal with unexpected damage. The Milburn Agency is here to help St. Louis residents explore their condo insurance options and make sure they’re ready for whatever the weather brings. Contact us today to learn more about protecting your condo and staying prepared.