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Personal coverage

Condo Insurance

Your condo association's master policy usually covers the building's exterior and shared areas, but not what's inside your walls, your belongings, or your personal liability — leaving a gap you're expected to fill yourself. Mortgage lenders require a unit-owner (HO-6) policy for exactly this reason, and without one a burst pipe or kitchen fire can leave you paying for interior repairs out of pocket.

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Who this coverage is for

This is for people who own a condominium or townhome that is part of a larger association. It fills the gap between what your homeowners association (HOA) covers for the building and what you are responsible for inside your own unit.

What it can help protect

Condo insurance focuses on the parts the HOA does not handle:

  • Inside your unit — fixtures, flooring, cabinets, and improvements you have made.
  • Your belongings — furniture, electronics, and personal items if they are stolen or damaged.
  • Liability — costs if a guest is injured inside your unit and you are found responsible.
  • Loss assessment — your share of certain charges the HOA may pass on to owners after a covered loss.
  • Extra living costs — temporary housing if your unit becomes unlivable after a covered event.
Regularly misunderstood coverages
Condo (HO-6) vs. HOA Master Policy

What does the HOA's master policy leave for you to cover?

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on master policy review, unit build-out value and deductible, and valuables, water backup, and earthquake considerations.

Common Questions