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Personal Insurance

Condo Insurance (HO-6)

Covers what the building's master policy doesn't: your personal property, interior upgrades, and liability inside your own unit.

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What it covers

  • Personal belongings inside your unit
  • Interior upgrades and improvements you've made, like flooring or cabinets
  • Personal liability for injuries occurring inside your unit
  • Additional living expenses if your unit becomes temporarily uninhabitable
  • Loss assessment coverage for certain shared-building costs

What it doesn't cover

  • The building's structure and common areas, which the HOA's master policy covers
  • Flood or earthquake damage, without separate coverage
  • Upgrades beyond what's documented and reported on your policy
  • Business activities conducted from the unit, beyond a small limit

Who needs this

Any condo owner. HOA dues typically fund a master policy, but that policy was never designed to cover your personal belongings or interior upgrades.

From our horror stories

The Building's Policy Wasn't Enough

A condo owner assumes the building's master insurance policy covers everything inside their unit, until a burst pipe proves otherwise.

Read the full story →
Common questions

Condo Insurance FAQ

Doesn't the HOA's insurance cover my unit?

Only the building structure and shared areas, not your personal belongings or interior upgrades. That gap is exactly what a condo policy (HO-6) covers.

What if the HOA's master policy has a high deductible?

Some HO-6 policies include loss assessment coverage to help with your share of that deductible if it's charged back to owners. Worth confirming your policy includes this.

Do I need to report renovations to my insurer?

Yes. Report any significant interior upgrades so your coverage limit actually reflects what you'd need to replace them.

Related coverage

Homeowners Renters Personal Umbrella Flood & Earthquake