Coverage that fills the gaps your association's policy leaves behind.
Condo owners are covered by two policies working together: the association's master policy and your personal HO-6. Getting the boundary right is where most condo coverage goes wrong.
Six parts that decide how well you're covered.
- Dwelling (walls-in)
- Coverage for interior finishes, fixtures, and improvements — the parts of your unit your association's master policy doesn't cover.
- Personal property
- Furniture, electronics, clothing, and belongings inside your condo.
- Loss assessment
- Your share of a claim assessed to all unit owners when the association's policy falls short.
- Loss of use
- Hotel, meals, and additional living expenses if your unit becomes uninhabitable.
- Personal liability
- Protects your assets if someone is injured in your unit or you're found liable elsewhere.
- Medical payments
- Small no-fault medical coverage for guests injured in your unit.
The risks worth thinking about before renewal.
Association master policy gaps
"All-in" vs. "bare walls" master policies change what you personally need to cover.
Loss assessment limits
Standard limits are often too low for meaningful special assessments.
High-value items
Jewelry, art, and collectibles are typically capped. Scheduled endorsements close the gap.
Water damage source
Whether the leak started in your unit or a neighbor's changes who pays. Coverage should account for both.
Short-term rentals
Renting your condo — even occasionally — can void standard coverage. We check it.
Deductible strategy
The right deductible balances premium savings against out-of-pocket exposure.
Compare quotes in about two minutes.
Answer a few quick questions and a licensed advisor will compare coverage from many of the nation's top-rated insurance companies on your behalf.
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