Coverage for condo owners
Condo insurance that fills the gaps.
Your HOA's master policy only covers so much. Get the protection you need for your unit and belongings.
Understanding what your HOA covers vs. what you need can be confusing. We'll help you figure it out.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Condo Insurance 101
What does condo insurance cover?
Condo insurance (HO-6) covers the interior of your unit, personal belongings, liability, and loss assessments from your HOA. It picks up where your building's master policy leaves off.
Your HOA's master policy typically covers common areas and the building structure, but not your personal property or improvements you've made to your unit.
How it works
Getting covered is easier than you think
Whether you're buying your first policy or switching providers, we make it simple to find the right coverage at the right price.
Step 1
Share your details
Tell us about your condo, HOA coverage, and what you need to protect.
Takes about 3 minutes
Step 2
Compare quotes
See side-by-side options from multiple insurers to find the best fit.
Usually 3-5 options
Step 3
Get covered
Choose your policy and get proof of insurance instantly for your HOA.
Coverage starts same day
Key decisions
Everything you need to make the right choice
Learn how condo insurance works, discover ways to save, and get the protection you need—all without the headache.
Covers what HOA doesn't
Your HOA's master policy has gaps. We help you understand what's not covered and protect your investment.
Personal property protection
Furniture, electronics, clothing, and more—covered against theft, fire, and other covered perils.
Liability coverage included
If someone is injured in your unit, you're protected from costly lawsuits and medical bills.
Guided help
Real people ready to help when you need it
Our licensed insurance agents work with local agencies across the country. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.
- Help understanding your HOA master policy and coverage gaps
- Guidance on the right coverage limits for your unit improvements
- Finding discounts for bundling, security systems, and more
- Support when you need to file a claim
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about condo insurance
What's the difference between condo insurance and homeowners insurance?
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Condo insurance (HO-6) covers your unit's interior, personal belongings, and liability. Your HOA's master policy typically covers the building's exterior and common areas. Homeowners insurance covers the entire structure since you own it all.
How much condo insurance do I need?
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You need enough to cover your unit's interior improvements (flooring, cabinets, fixtures), all your personal belongings, and adequate liability protection (typically $100,000-$300,000). Review your HOA's master policy to understand what's already covered.
What does 'loss assessment' coverage mean?
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If your HOA's master policy doesn't fully cover a shared loss (like damage to the pool or lobby), owners may be assessed their share. Loss assessment coverage helps pay your portion, typically covering up to $1,000-$50,000 depending on your policy.
Ready to see how much you can save on condo insurance?
Get personalized quotes in minutes. Our licensed agents are standing by to help you find the best rate.
Condo Insurance guides and resources
Dive deeper into condo insurance topics with our in-depth guides and comparisons.
Condo Insurance in 2026
Liberty Mutual exits California in 2026. Learn HO-6 coverage, master policy gaps, loss assessment needs, and how to protect your condo investment.
Read moreCondo Insurance vs HOA Master Policy
Learn the crucial difference between your HOA's master policy and condo insurance. Discover what bare walls, single entity, and all-in coverage mean for you.
Read moreHow Much Does Condo Insurance Cost?
Condo insurance costs $490-$531/year on average. Learn what affects your HO6 premium, from location to coverage limits, and how to save money.
Read moreWhat Does Condo Insurance Cover?
Condo insurance covers your belongings, interior fixtures, liability, and living expenses. Learn what HO-6 policies protect and what they exclude.
Read moreCondo Insurance: Complete Guide
Learn what condo insurance covers vs HOA master policies, why loss assessment matters, and how much HO-6 policies cost in 2025. Complete guide for owners.
Read moreCondo Loss Assessment Coverage
Learn how condo loss assessment coverage protects you from HOA special assessments. Most policies include only $1,000—experts recommend $50,000 or more.
Read moreReferenceInsurance Glossary
Learn common insurance terms and definitions to better understand your coverage options.
Read moreExplore other insurance coverage
Many customers who bundle coverage find they save money. Compare quotes to see what works best for you.