PersonalCondo
Personal insurance
Condo insurance
Covers everything the association’s master policy leaves to you — usually the inside of your unit and your belongings.
In plainEnglish
Condo insurance (an HO-6 policy) fills the gap between the association’s master policy and your front door. Where that line sits depends on the association’s bylaws, so the first question is always: what does the master policy actually cover?
Covers
- Interior walls, fixtures, and improvements
- Personal belongings
- Loss assessments charged by the association
- Personal liability
- Additional living expenses
Doesn’t cover
- The building shell and common areas (master policy)
- Flood
- Assessments above your chosen limit
Who needs it
- Condo and townhome owners
- Anyone whose association requires proof of HO-6 coverage
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