Personal Insurance
Condo Insurance
Protect your condo unit and personal possessions from fire, theft, vandalism, and other covered perils.
Get a QuoteHO-6 Coverage
Condo Insurance Coverage
If you're a condo unit owner, then you already know what risks of damage you face. Everything from bare walls to common areas can be damaged in your condo unit. Whether you live in your condo or rent it to strangers, it's important to have an insurance company you can trust.
Common issues include water damage, fire damage, and property damage. Note: Renters insurance will cover damage to your belongings, but it may not cover property damages or repairs inside your condo. Some communities only insure their common areas and require condo owners to have insurance for each unit.
What's Covered
Dwelling Coverage
Covers interior walls, floors, ceilings, and fixtures within your unit that aren't covered by the HOA master policy.
Personal Property
Protects your belongings including furniture, electronics, clothing, and other personal items against covered perils.
Liability Protection
Covers legal expenses and damages if someone is injured in your condo or you damage common areas.
Loss Assessment
Covers your share of assessments if the HOA doesn't have enough insurance to cover damage to common areas.
Why You Need Condo Insurance
Master Policy vs. Your HO-6 Policy
HOA Master Policy Covers
- • Building exterior and roof
- • Common areas (lobby, hallways, pool)
- • Shared systems (elevators, HVAC)
- • Liability for common areas
Your HO-6 Policy Covers
- • Interior walls, floors, ceilings
- • Personal belongings
- • Improvements and upgrades
- • Your personal liability
Own Multiple Condos?
If you own multiple condo units, they can be combined on one commercial policy with either blanket or individual scheduling. This often provides better coverage and premium savings compared to separate policies.
If you rent out your condo, it's best practice to require all tenants to carry renters insurance and to have all contractors provide proof of insurance before doing work in your unit.
Discount Opportunities
Buildings and units with certain safety features may qualify for premium discounts:
Get Condo Quote
Fill out this form for a free condo insurance quote.
Protect Your Condo Today
Get the condo insurance coverage you need at a price you can afford. Free quotes available.