Condo owners sit between homeowners and renters: your association insures the building, but you are responsible for the interior of your unit, your belongings and your liability. An HO-6 policy is built for exactly that gap.
What an HO-6 Policy Covers
- Unit interior – walls, flooring, cabinets and fixtures, depending on your association's master policy.
- Personal property – furniture, electronics, clothing and valuables.
- Loss assessment – your share of costs when the association is hit with an uninsured loss.
- Personal liability & loss of use – if someone is hurt in your unit or you cannot live there after a covered loss.
Know Your Master Policy
Associations carry either bare walls, single entity or all-in coverage. Before you choose limits, ask your association for a copy of the master policy so we can match your HO-6 to what it does not cover.
Bundle & Save
Pair your condo policy with auto, umbrella or life insurance for multi-policy savings and one agent who knows your whole picture.
Frequently Asked Questions
Do I need HO-6 if my association has insurance?
Yes. The association's policy generally does not cover your belongings, personal liability or interior upgrades.
What is loss assessment coverage?
It helps pay your share when the association levies a special assessment after a covered loss that exceeds its own coverage.
Does my mortgage lender require condo insurance?
Most lenders require an HO-6 policy. We can provide the evidence of insurance they need.