Condo Insurance

Independent broker. We align your HO-6 with the HOA master policy—so there are no gaps or overlaps.

🏢HO-6 coverage 🛡️Personal liability 🧾Loss assessment
📘 Why condo insurance (HO-6)?

Your HOA’s master policy covers common areas—but usually not everything inside your unit. As your independent broker, we compare carriers and tailor your HO-6 to cover what the master policy doesn’t.

🧭 What your HO-6 can include
  • Personal property (furniture, clothing, electronics).
  • Improvements & betterments (floors, cabinets, fixtures).
  • Personal liability and medical payments.
  • Loss of use (additional living expenses during repairs).
  • Loss assessment for shared property claims billed to unit owners.
  • Optional: water backup & scheduled valuables.
Share your HOA documents (declarations or summary). We’ll map master policy coverage to your unit and set the right limits—no paying twice, no gaps.
🏗️ HO-6 vs. HOA master—who covers what?

Master policy covers the building/common areas. Your HO-6 covers your belongings, interior finishes (scope varies by master type), personal liability, and loss of use. We align them to avoid gaps/overlaps.

🧾 Do I need loss assessment?

If a claim on shared property exceeds HOA limits or falls to unit owners, an assessment may be billed. Loss assessment coverage helps with your share—limits and triggers vary by carrier.

💧 What about water damage from another unit?

Responsibility depends on cause and policy terms. We’ll review master/HO-6 language and recommend endorsements (e.g., water backup) where appropriate.

Ready for a coordinated condo quote?

Share your HOA docs and basics about your unit. We’ll compare multiple carriers and right-size limits.

Discuss condo insurance