Which of the following is not an element of a Condo Policy?

In a condominium insurance policy, personal liability coverage typically falls under the broader category of homeowners insurance and is not considered a core element specifically associated with condo policies. The main components of a condo policy focus on protecting the individual unit and its contents, as well as any improvements made to the unit.

Unit coverage provides protection for the interior of the specific condo unit against risks such as fire, theft, or vandalism. Loss assessment coverage is designed to protect unit owners from special assessments levied by the condo association, often for damages to common areas or facilities. Improvements and betterments coverage covers enhancements made to the unit that exceed the original specifications when it was purchased, as these improvements are usually not covered by the condo corporation's insurance.

Therefore, while personal liability coverage is an important aspect of overall liability protection for homeowners, it is not specifically a feature of a condo policy, which is more focused on the individual unit and related risks.