Clear HO‑6 coverage built around your unit, your HOA, and your budget
Condo insurance is about the space you own “from the walls‑in,” what the master policy covers outside your unit, and how both fit together at claim time. We price a few sensible options side‑by‑side—explaining walls‑in coverage, liability, Loss Assessment, and deductibles in plain English. Bundle with auto insurance or align a townhome/condo with the right home insurance where applicable to unlock savings and simpler billing.
Most quotes in minutes using details you already have.
We review HOA docs so your HO‑6 complements the master policy.
Local help during storms, water leaks, or HOA assessments.
What your condo policy can include
Building Property (Walls‑In)
Protects the interior of your unit: drywall, paint, built‑ins, cabinets, flooring, and fixtures you’re responsible for under your condo documents. We’ll confirm what the master policy covers so there’s no overlap or gaps.
Betterments & Improvements
Upgrades you’ve added—premium flooring, custom cabinetry, or bathroom remodels—may exceed standard finishes. We can increase limits so your investment is protected at today’s prices.
Personal Property
Covers belongings like furniture, clothing, and electronics. Choose Replacement Cost (RCV) to avoid depreciation; Actual Cash Value (ACV) reduces premium but pays less at claim time.
Loss of Use
Helps with temporary living costs if your unit is uninhabitable after a covered loss—hotel stays, short‑term rentals, meals, and extra mileage.
Personal Liability
Protects you if a guest is injured or you accidentally damage someone else’s property. Higher limits help safeguard wages and savings.
Medical Payments
Pays small medical bills for guests injured at your condo, regardless of fault—useful for minor incidents to avoid disputes.
Loss Assessment
Helps pay your share when the HOA assesses unit owners after a covered loss to common areas or for a deductible. We’ll right‑size this limit based on your HOA’s master policy.
Popular Add‑Ons
Water Backup (sump/sewer/drain), Scheduled Valuables (jewelry, art, collectibles), and Electronics or Bike endorsements where available. We’ll model options so you can decide.
Master Policy Coordination
We request the condominium declarations and master policy summary to identify who covers what, then align your HO‑6 to fill the gaps—especially for interior finishes, water damage, and master deductibles.
HO‑6 coverage at a glance
| Coverage | Plain-English summary |
|---|---|
| Walls-in Building Property | The finishes and fixtures you insure inside the unit (drywall, cabinets, flooring, built-ins). |
| Betterments/Improvements | Upgrades you added—premium floors, custom kitchens or baths—above original specs. |
| Personal Property | Furniture, clothing, electronics—choose RCV to avoid depreciation at claim time. |
| Loss Assessment | Helps with your share if the HOA assesses unit owners after a covered loss or large deductible. |
| Liability & Med Pay | Injuries or property damage you’re responsible for; Med Pay helps with small guest injuries. |
Condo insurance (HO‑6)—what it covers
Your HO‑6—often called condo insurance—covers what you own inside the unit plus your belongings and liability. It works alongside the association’s master policy: the master insures the building and common areas; your HO‑6 insures interior finishes, betterments, and personal property. We align the two so there are no gaps or overlaps.
Storms, water, and vertical living
Across Alabama and Georgia, severe thunderstorms, tornado tracks, and occasional tropical remnants can drive wind and water losses. In multi‑story buildings, small leaks can turn into large losses as water travels between units. That’s why walls‑in coverage, Loss Assessment, and thoughtful deductibles matter. We’ll verify how the master policy treats wind/hail and whether special deductibles apply—then size your HO‑6 to play well with it.
- Water & backup: Consider Water Backup if you have lower‑level plumbing or stack risers nearby.
- RCV vs ACV: RCV on personal property pays better after a loss; ACV saves premium but pays less.
- Master deductible risk: Higher HOA deductibles can trigger assessments—boost Loss Assessment accordingly.
Ways to reduce cost without hollowing out coverage
Bundle home/condo & auto
One account, fewer headaches, and meaningful multi‑policy savings. We’ll price it both ways so you can decide.
Newer construction & updates
Fire sprinklers, monitored alarms, and recent plumbing/electrical updates can improve insurability and pricing.
Protective devices
Monitored security, smoke/CO detection, water leak sensors and shut‑off valves may qualify for credits.
Autopay & paperless
Set‑and‑forget billing helps avoid lapses and can trim premium while keeping documents organized.
Last updated: September 2025
Condo insurance questions we answer every day
How does an HO‑6 policy differ from the condo’s master policy?
The master policy insures the building and common elements; your HO‑6 protects the interior of your unit, your belongings, and your liability. Some associations are “all‑in,” others are “bare walls” or “walls‑in.” We review your declarations to see what’s covered where, then tailor your HO‑6 to fill gaps—especially for interior finishes and master deductibles.
What is Loss Assessment coverage and how much do I need?
If a covered loss affects common areas—roofs, hallways, amenities—the HOA may assess unit owners to cover deductibles or shortfalls. Loss Assessment helps pay your share, up to its limit. We size this amount based on the master policy’s deductible and your building’s features so a big assessment doesn’t become a big surprise.
Are improvements and betterments covered?
Yes—if you’ve upgraded flooring, kitchens, or baths beyond what the association originally provided, we can increase your building‑property limit for those improvements. Keep receipts or photos when possible; they help document value at claim time.
How do I protect valuables like jewelry, bikes, or collectibles?
Standard HO‑6 policies include sub‑limits for certain items. Scheduling valuables provides higher limits, broader causes of loss, and often no deductible for those items. Tell us what you own, and we’ll price options for jewelry riders, fine art, instruments, or high‑end bikes.
What information do you need for a condo quote?
Your address, unit details (square footage, floor level), building age, any upgrades, protective devices, prior insurance, and any claims in the last 3–5 years. HOA documents that outline master policy coverage are ideal; we can often retrieve a summary if you don’t have them handy.
What factors most affect my HO‑6 price?
Building age and construction, roof and system updates, claims history, credit‑based factors, chosen deductibles, and endorsements like Water Backup or scheduled valuables. We can often lower cost via bundling and right‑sizing deductibles without stripping essential protection.
How condo claims typically work
- Check safety first. Make sure everyone is safe and call 911 if needed.
- Limit further damage. Shut off water/power if safe; save receipts for emergency work.
- Document everything. Photos/video of affected areas and a list of damaged items.
- Call our office. We’ll help open the claim and coordinate with the HOA if needed.
- Repair & follow‑up. Arrange estimates and repairs; we’ll track progress to settlement.
Real feedback from our community
“Lexi was very patient and helpful when I stopped by yesterday to ask multiple questions. She is truly an asset to your office!”
— Teresa Gardiner
“Customer service at Cody Coffey’s Center office is amazing, a lost art, a total delight. Give them 1000 out of 100 :). Friendly, knowledgeable. So grateful to have found them when moving to a new town.”
— Steve Smith
“I was with this agency for several years and had nothing but positive experiences with Cody and the other agents. When I had to move out of state, Kathy made it incredibly easy to end my Georgia policy and settle things up. I can't recommend them enough.”
— Ricky Salas
Have questions about HO‑6 coverage?
Call a local agent today.
Alabama: 256-407-6008 | Georgia: 706-780-6554