Your condo association's master policy protects the building, but it usually stops at your walls. A condo (HO-6) policy protects your interior, your belongings and your liability as an owner.
Southend Insurance reviews your association's master policy with you so your HO-6 coverage fills the gaps without paying for coverage twice.
What condo insurance can cover
- Interior walls, floors, cabinets and fixtures
- Personal property
- Loss assessment coverage
- Personal liability
- Loss of use if your unit is uninhabitable
- Improvements and upgrades you've made
Good to know in Florida: Florida condo owners can face special assessments after a storm when the master policy has a large deductible. Loss assessment coverage can help pay your share.
Renting your condo by the night or week on VRBO or Airbnb? See our vacation rental & landlord insurance page.
Condo Insurance FAQs
What does an HO-6 policy cover?
An HO-6 policy typically covers the interior of your unit, your belongings, your liability and certain assessments. What's needed depends on how your association's master policy is written.
Is condo insurance required?
Many associations and mortgage lenders require it. Even when it isn't required, it's the only way to protect your belongings and interior finishes.
What is loss assessment coverage?
It helps pay your share of costs the association passes to owners, such as a master policy deductible after a hurricane.