What is NOT covered by the condominium unit owners endorsement?

The condominium unit owners endorsement primarily covers individual unit owners and their personal property within the unit. This includes protection for personal belongings such as furniture, clothing, and appliances. Coverage typically excludes common areas, which are generally covered by the condominium association's master policy, as these spaces are shared by all condo owners and are not the responsibility of individual unit owners.

Common areas, such as hallways, elevators, and recreational facilities, fall under the association's insurance policies, not the individual unit owner's endorsement. Similarly, liability for injuries to guests is usually covered under personal liability sections of the endorsement, ensuring that unit owners are protected if a guest is injured within their unit.

The furniture specifically within the building refers to items that may be part of the common areas or amenities managed by the condo association, such as lobby seating or pool furniture. This is a factor that the endorsement does not cover since it is not the personal property of the unit owner. Thus, it is important to distinguish between what is owned individually versus collectively in condominium living, which clarifies why the correct answer indicates that furniture in the building is not covered by the endorsement.