Home & Personal

Condominium Insurance (HO-6)

Your condo association insures the building, but the master policy covers only part of what you own. Your HO-6 policy has to cover the rest. We read your association documents and build your coverage to fit them.

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Start With the Master Policy

Where your association's coverage ends and yours begins

Every condo association carries a master policy, but they're written very differently. The type of master policy your association carries determines how much coverage your own HO-6 policy needs.

Master Policy Type What the Association Covers What You Need to Cover
Bare Walls Building structure and common areas only Drywall, flooring, cabinets, fixtures, and everything inside
Single Entity Structure plus original fixtures and finishes Upgrades and improvements you or prior owners made, plus belongings
All-In Structure, fixtures, and most improvements Belongings, liability, and loss assessment

Your association's bylaws and declarations define the split. We'll review them with you, so you're not guessing.

What an HO-6 policy covers

Dwelling / Walls-InInterior walls, flooring, cabinetry, built-in appliances, and improvements that aren't covered by the master policy.
Personal PropertyYour furniture, electronics, clothing, and other belongings, whether they're in your unit or a storage space.
Loss AssessmentYour share of a special assessment when the association's damage or liability costs exceed what the master policy pays, including its deductible.
Personal LiabilityInjuries to guests in your unit, or damage you cause to neighboring units, such as a water leak that flows into the unit below.
Loss of UseTemporary housing and living expenses if a covered loss makes your unit uninhabitable during repairs.
Rental Unit OptionsIf you rent your condo to tenants, your coverage needs change. We can arrange a policy written for landlord use, including loss of rental income.

The loss assessment problem

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Your association's costs can become your bill.

When a loss falls within the master policy's deductible, or a claim exceeds the master policy's limits, the association may assess each owner a share of the cost. Many HO-6 policies include only a small amount of loss assessment coverage by default, so it's important to check the limit and any restrictions on paying assessments that stem from the master policy deductible.

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Flood is excluded from both policies.

Neither your HO-6 nor the master policy covers flood. Ground-floor units and garage-level storage are especially exposed. Learn about flood coverage for condo owners.

Key questions to ask

  • Is my association's master policy bare walls, single entity, or all-in?
  • What is the master policy's deductible?
  • How much loss assessment coverage do I carry?
  • Are my upgrades and improvements insured?
  • Do I rent the unit out, even occasionally?

Get a condo review

Share your HO-6 declarations page and your association's insurance summary. We'll map the coverage between the two and flag anything that isn't covered.

Start a Review

Don't let a special assessment catch you off guard

We'll compare your HO-6 coverage to your association's master policy and make sure the two work together.

Get a Condo Review Talk to an Advisor

Coverage descriptions on this page are general in nature and for educational purposes only. Actual policy language governs all claims. Master policy terms, association bylaws, and loss assessment provisions vary. All coverages are subject to policy terms, conditions, and underwriting approval.