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.