Condo Insurance
Coverage designed specifically for condo owners — protecting your unit, belongings, and the gaps your HOA's master policy doesn't cover.
Condo insurance (also called HO-6 insurance) covers what your HOA's master policy doesn't — your unit's interior, personal belongings, liability, and improvements you've made. Many condo owners assume their HOA's insurance covers everything, but that's rarely the case.
Your HOA's master policy typically covers the building's structure and common areas, but your unit's walls, floors, fixtures, appliances, and personal property are your responsibility. If a pipe bursts and damages your kitchen, or if someone slips in your unit, you need your own policy.
We review your HOA's master policy alongside your personal condo insurance to identify gaps. Things like loss assessment coverage (if the HOA levies a special assessment after a major loss) and improvements you've made to your unit are often overlooked.
Key Features
- Interior dwelling coverage for walls, floors, fixtures, and built-in appliances
- Personal property coverage for your belongings
- Loss assessment coverage for HOA special assessments
- Liability protection for incidents inside your unit
- Coverage for improvements and upgrades you've made
Who Needs This?
- Condo owners at any price point
- New condo buyers — your lender will require it
- Condo owners who have renovated or upgraded their unit
- Anyone whose HOA has a "bare walls" master policy
Ready to Get Condo Insurance Coverage?
Call 303-994-7814 or start your quote online.
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