Personal Insurance
Condo Insurance
HO-6 condo and townhome insurance that picks up where your association's master policy stops.
Condo insurance, also called an HO-6 policy, covers your unit where your association's master policy leaves off. The association typically insures the building's structure and common areas, while owners are generally responsible for the interior of their unit, from the drywall in, plus their belongings and personal liability.
Association bylaws vary, so the details matter. We'll help you read the fine print, compare options from multiple carriers, and choose coverage that fits what your association does and doesn't cover. Some townhomes are insured like condos too, so it's worth confirming you have the right type of policy.
What Condo Insurance typically covers
Unit Interior (Dwelling)
Helps cover the parts of your unit you're responsible for under the bylaws, such as floors, interior walls, cabinets, fixtures, and improvements you've made.
Personal Property
Helps repair or replace your belongings after a covered loss, with replacement cost options available.
Loss Assessment
Can help pay your share of a special assessment if the association's master policy falls short on a covered loss to common areas.
Liability and Loss of Use
Helps protect you if someone is hurt in your unit, and can help pay added living expenses if a covered loss forces you out while repairs are made.
Related coverage
Common questions
What does an HO-6 policy cover?
An HO-6 policy typically covers the interior of your unit that you're responsible for under your association's bylaws, your personal belongings, your personal liability, and added living expenses after a covered loss. Coverage depends on the policy and your bylaws.
Do I need condo insurance if my association has a master policy?
Usually, yes. The master policy generally covers the building and shared areas, not your unit's interior, your belongings, or your personal liability. Getting a copy of your bylaws helps us match your coverage to your responsibilities.
Is my townhome insured like a condo or a house?
It depends on how the property and association are set up. Some townhomes need an HO-6 condo policy and others need a standard homeowners policy. We'll help you confirm which one fits.
Ready to protect what matters with the right condo coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.