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Some underwriters think that contents (improvements & bett) is the way to insure the interior finishes a condo unit owner is responsible for while others think that condo misc real property is the way . Has anyone pinned that down for sure.

Normally, any improvements that the owner makes to the condo (painting, finishes, etc) should be insured by their insurance carrier. Most condo owner policies include coverage for TIB's.

The key is to check the CC&R's to see who is actually responsible. Most of the time, TIB's are the unit owners responsibility.