Condo ownership splits responsibility: the HOA’s master policy typically covers the building exterior and common areas, while everything from your walls inward — interior finishes, fixtures, your belongings, and your personal liability — is yours to insure. An HO-6 condo policy fills exactly that gap, and the right amount depends on whether your master policy is “bare walls” or “all-in.” We read your HOA documents and size the coverage so there is no overlap and no hole.
Who this is for
Condo owners
Owner-occupied condominiums and townhome-style HOAs.
Condo investors
Rented-out condos needing landlord-oriented HO-6 coverage.
New condo buyers
Lender requires proof of HO-6 before closing — we handle it.
What it covers
- Interior walls, floors, and built-in fixtures
- Personal property and loss of use
- Personal liability & medical payments
- Loss assessment coverage for HOA shortfalls
- Coverage coordinated with your master policy
- Bundle with auto for savings
What your HOA master policy does — and doesn’t — cover
Condo ownership splits the insurance in two. The HOA’s master policy covers the building and common areas; everything from your walls inward is yours. The catch is that master policies come in two flavors, and which one your association carries determines how much you need to insure:
- “Bare walls” — the master policy stops at the studs; you insure all interior finishes, cabinets, flooring, and fixtures
- “All-in” / single-entity — the master covers original interior finishes; you insure upgrades and personal property
How much HO-6 coverage you actually need
Because the split depends entirely on your association’s master policy, sizing an HO-6 by guesswork is how owners end up under- or over-insured. We read your HOA declaration page, see exactly where the master policy stops, and set your interior (dwelling) limit to cover the gap — plus your personal property, loss of use, and personal liability.
Loss assessment coverage explained
Here’s the surprise that catches condo owners: if a big common-area loss exceeds the master policy’s limits — or the HOA’s deductible is large — the association can assess every owner their share of the bill. Loss assessment coverage on your HO-6 helps pay that assessment, whether it stems from property damage or a liability claim. We include a sensible limit so a special assessment doesn’t blindside you.