Protect your condo unit, belongings, and personal liability with comprehensive HO-6 insurance
HO-6 policies protect everything inside your unit and more
Everything from the walls inward is your responsibility
Your belongings are protected anywhere
Financial protection for condo-specific risks
Understanding the coverage gap you need to fill
| Coverage Area | HOA Master Policy | Your HO-6 Policy |
|---|---|---|
| Building exterior | ✓ Covered | ✗ Not Covered |
| Common areas | ✓ Covered | ✗ Not Covered |
| Your unit interior | ✗ Limited/None | ✓ Fully Covered |
| Your belongings | ✗ Not Covered | ✓ Fully Covered |
| Your improvements | ✗ Not Covered | ✓ Fully Covered |
| Personal liability | ✗ Not Covered | ✓ Fully Covered |
Smart savings for condo owners
Combine your HO-6 and auto policies for maximum savings
Add Auto Insurance →Maximize your protection and avoid coverage gaps
Understand exactly what your HOA's master policy covers. Look for "bare walls" vs "all-in" coverage to determine your needs.
Keep records of any improvements you've made to your unit. Custom flooring, cabinets, and fixtures need proper coverage.
If your HOA has a large deductible or special assessment, you could be responsible for thousands. Ensure adequate coverage.