Dwelling fixtures (Coverage A)
Interior walls, custom cabinetry, quartz countertops, tile, hardwood flooring, and built-in appliances.
Condominium unit protection
Condo unit insurance designed to complement your HOA master policy.
Protect your individual condominium unit interior, cabinets, flooring, personal belongings, and personal liability while coordinating seamlessly with your building master policy.
Quick insurance start
Why is condo insurance (ho-6) on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Walls-in coverage
Where the master policy stops, your HO-6 policy begins.
Condominium associations carry a commercial master policy for common areas and the structural envelope, but interior fixtures, personal property, and deductible assessments belong to the unit owner.
Key coverage solutions
Structured around the realities of your situation.
Personal property (Coverage C)
Furniture, clothing, electronics, kitchenware, and personal valuables covered at replacement cost.
Loss assessment coverage
Crucial protection if the HOA levies a special assessment against all unit owners following a major master claim or master deductible charge.
Personal liability
Worldwide defense and indemnity if someone slips inside your unit or if accidental water leaks down into neighboring units.
Quote underwriting details
What we need to build your independent comparison.
- HOA bylaws reviewDetermines whether your association operates under an "all-in" or "bare walls" insurance responsibility clause.
- Master deductible sizeHelps calibrate your loss assessment coverage so an unexpected $25,000 HOA master deductible assessment does not come out of pocket.
- Interior improvement valueThe estimated cost to replace your interior finishes, flooring, lighting, and plumbing fixtures.
Related discovery
Independent market access
We compare available markets for coverage, price, and fit.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed carrier does not constitute a guarantee of coverage or rate.
Frequently asked questions
Common questions about condo insurance (ho-6).
What does the condo association master policy cover vs my own policy?
The master policy covers common grounds, roof, elevators, and building exterior. Your HO-6 policy covers everything from the drywall inward, your personal property, and your liability.
Why is loss assessment coverage so important today?
Many HOAs have raised their master deductibles to $25,000 or $50,000 to save on premiums. If a hail or water loss occurs, the association can divide that deductible among all owners. Loss assessment helps pay your share.
What happens if a pipe bursts inside my wall and damages the unit below?
Your HO-6 dwelling and liability coverages respond to protect your fixtures and address damage claims from downstream unit owners according to state condominium statutes.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.