What is Condo (HO6) Insurance?

What does condo insurance cover?

Like homeowners insurance, HO-6 insurance safeguards against property losses and liability claims, except in cases where your condo association’s master policy provides coverage. Here are the standard condo insurance coverages:




Coverage type Definition

Dwelling

Definition
Pays to repair or replace everything in your unit from the drywall in if your property is damaged due to a covered loss.

Personal property

Definition
Pays to repair or replace your belongings, up to specified limits, and is never included under the master insurance policy for your condo association. Anything that isn’t attached to your condo is considered your personal property, including clothing, furniture, and electronics. Note that some condo insurers combine dwelling and personal property coverages.

Liability

Definition
If you’re legally responsible for someone else’s damages or injuries, personal liability provides coverage
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