Condo Insurance
You own the inside of the unit; the association owns the building. A condo policy has to start exactly where the master policy stops.
What Is Condo Insurance?
Condo insurance — the HO-6 policy — covers the interior of your unit, your personal belongings, and your liability as a unit owner. The condo association carries its own master policy for the building's structure, roof, exterior walls and common areas. Your HO-6 exists to fill in what the master policy doesn't, which is why you cannot buy the right condo policy without knowing which kind of master policy sits above it.
Why Condo Insurance Matters
Master policies vary. Some are written on a 'bare walls' basis — structural shell only, nothing inside your unit — and others reach further, including original fixtures. That single distinction decides whether your flooring, cabinets and countertops are on your policy or theirs. The master policy also has its own deductible, and some associations pass a share of it down to owners. Loss assessment coverage on your HO-6 is what keeps that surprise letter from landing on you directly.
Who Needs Condo Insurance?
Anyone who owns a condo or townhome under an association, whether it is your home, a lake place near Pickwick, or a unit you rent out. Most lenders require it, but the lender's minimum rarely matches the master policy's gaps — that takes reading both documents.
Coverage Highlights
- Interior walls, flooring, cabinets and fixtures (per your master policy)
- Personal property coverage
- Liability coverage inside your unit
- Loss assessment coverage for association shortfalls
- Additional living expenses if you're displaced
- Master policy deductible review
Local Considerations
Condo coverage only works when two documents meet in the middle: the association's master policy and your HO-6. We sit down with both and map where one ends and the other begins. The same storm questions that come with a house here apply to a unit — wind and hail deductibles, roof age, and whether earthquake and flood are excluded — except the answers are split between you and the association.
Where We Write Condo Insurance
Three offices, one agency. Walk into whichever is closest, or start online and the people who know your town will pick it up.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 20+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Condo Insurance Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
Condo Insurance Questions We Actually Get
Straight answers to what people ask us around here.
What is the difference between an HO-3 and an HO-6?
What does the association's master policy cover?
What is loss assessment coverage?
Can you read the master policy with me?
Got one that isn't here? Ask us directly — or see the full FAQ.
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Real People
Who You'll Actually Talk To
No phone trees and no call centre. When you call about condo insurance, one of these people picks up.
Let's Talk About Your Condo Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.