Your condo association's master policy covers the building and common areas — not your unit's interior, not your belongings, and not your personal liability. An HO-6 policy fills that gap.
Condo ownership creates a coverage gap that surprises many buyers. The association's master policy typically stops at the walls of your unit — everything inside is your responsibility. An HO-6 condo insurance policy is designed specifically for this situation, covering the interior of your unit plus your personal property and liability.
Covers the interior structure of your unit — walls, ceilings, floors, built-in cabinets, and fixtures you own. If a fire or water damage ruins your flooring or interior walls, your HO-6 pays for repair or replacement where the association's policy leaves off.
Covers your furniture, clothing, electronics, appliances, and other belongings against theft, fire, water damage, vandalism, and other covered perils — inside the unit and in many cases outside of it as well.
Protects you if someone is injured inside your unit or if you accidentally damage someone else's property. Covers legal defense and settlements, which can be significant even in cases where you're only partially at fault.
When a loss affects the building or common areas and the association's master policy falls short, the remaining cost is often billed to individual unit owners as a "loss assessment." This coverage pays your share so you're not stuck with an unexpected bill.
If you've renovated your unit — upgraded countertops, hardwood floors, custom tile — those improvements are covered as part of your dwelling coverage, not left out the way they would be under a basic renters policy.
If a covered loss makes your unit uninhabitable, this pays for temporary housing, meals, and related costs while repairs are completed.
Condo association master policies generally fall into two categories: "bare walls-in" covers only the structure up to the unfinished surfaces of your walls; "all-in" covers fixtures and built-ins but not your personal property or improvements. Neither type covers your personal belongings or your personal liability — that's entirely on you.
We'll review your association's master policy alongside your HO-6 to make sure there are no overlaps or gaps, and that your loss assessment coverage is set at an appropriate limit.
Condo insurance rates depend on your unit's size, location, and how much of the interior you own outright. Most HO-6 policies are quite affordable — call us and we'll run quotes from multiple carriers to find the best fit.
Renting instead of owning? See our Renters Insurance page →