Your condo association's master policy covers the building's exterior and common areas — but it does NOT cover your unit's interior, your personal belongings, or your liability. An HO-6 condo policy fills that gap, protecting everything from your walls-in, your furniture and electronics, to lawsuits if someone is injured inside your unit. Our agency compares multiple carriers to find you the right coverage at competitive rates.
Every condo owner. Your HOA's master policy typically covers the building structure and common areas, but your unit's interior, upgrades, personal property, and liability are your responsibility. Mortgage lenders require an HO-6 policy, and even if your condo is paid off, going without coverage is a major financial risk.
An HO-6 policy is designed specifically for condo owners. It covers your unit's interior (walls-in), personal property, and liability — while your HOA's master policy covers the building exterior and common areas. A standard homeowners (HO-3) policy covers the entire dwelling structure, which isn't needed when you own a condo.
Condo insurance is typically less expensive than homeowners insurance because you're not covering the building's exterior structure. Most condo owners pay $300–$1,200/year depending on unit value, location, and coverage limits. We compare multiple carriers to find you the best rate.
If your condo association experiences a major loss (like a roof destroyed by a hurricane) and levies a special assessment on all unit owners, loss assessment coverage helps pay your share. We recommend at least $25,000–$50,000 in loss assessment coverage.
Absolutely. The HOA master policy covers the building and common areas, but NOT your unit's interior, personal belongings, improvements, or your personal liability. Without an HO-6 policy, you'd pay out of pocket for any damage inside your unit.
Get a free quote or call (321) 206-8035.