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Condo Insurance
Condo insurance is a type of insurance specifically designed for condominium owners. While your condominium association’s policy will typically cover the building itself, condo insurance covers your personal property and liability risks. Condo insurance can help to protect your belongings in the event of a fire, theft, or natural disaster, and it can also provide financial assistance if you are sued for damages. As a condominium owner, it is important to understand your risks and choose an insurance policy that meets your needs. Working with an experienced insurance agent can help you find the right coverage at the right price.
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Condo Insurance (HO-6)
Condo insurance protects what you own inside your unit—your belongings, interior features, and liability. Since the condo association covers common areas, your policy fills in the gaps.
What You Need to Know
1. Understand the Master Policy
Your condo association’s insurance covers shared spaces, but not everything inside your unit.
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“Bare Walls”: Covers structure only—you insure everything inside
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“All-In”: Covers some interior items—you need less personal coverage
2. Watch the Deductible
Association policies often have high deductibles (sometimes $25,000+), which may be shared among owners after a claim.
3. Know What to Cover
You’re typically responsible for:
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Interior features (floors, cabinets, fixtures)
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Personal belongings
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Liability protection
4. Choose the Right Coverage Type
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Actual Cash Value: Pays less (depreciation included)
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Replacement Cost: Pays what it costs to replace today (better protection)
5. Build Coverage the Right Way
Start with your personal belongings, then add coverage for the interior parts of your unit you’re responsible for.
Bottom Line
Condo insurance isn’t one-size-fits-all. Know what your association covers, fill the gaps, and protect everything inside your walls the right way.
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