Your HOA's master policy only goes so far. An HO-6 condo policy covers your interior, your belongings, and your liability — we'll make sure the two fit together with no gaps.
Most condo master policies cover the building's exterior and common areas — but the walls-in, your fixtures, flooring, cabinets, and everything you own are typically your responsibility. An HO-6 policy fills that gap. The tricky part is matching your coverage to exactly what the master policy does and doesn't include, and that's where a local agent earns their keep.
We'll review your condo association's master policy and help you set your HO-6 limits so you're not over-insured or, worse, exposed to a gap. Loss-assessment coverage in particular catches people off guard — we'll make sure you have it where it makes sense.
Like other policies, your condo coverage often qualifies for a multi-policy discount when paired with your auto insurance. If you're renting a condo rather than owning, you'll want renters insurance instead — just ask and we'll point you to the right one.
Typically your unit's interior (walls-in), your personal belongings, personal liability, loss of use, and loss assessment — the things the HOA's master policy usually doesn't.
The master policy generally covers the exterior and common areas, but not your interior finishes, fixtures, and belongings. That's what your HO-6 policy is for.
If the HOA levies a special assessment after a covered loss exceeds the master policy, loss assessment coverage can help pay your share. We'll include an appropriate amount.
Yes — pairing them usually earns a multi-policy discount. We'll quote them together.
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