Condo Insurance Quote
Get a condo insurance quote that fills the gaps your HOA master policy leaves behind. We compare rates from carriers that specialize in condo coverage and understand the unique needs of unit owners.
Your HOA has a master insurance policy. But it doesn't cover everything. Your unit's interior, your personal belongings, and your personal liability need their own protection. That's where condo insurance (also called HO-6 coverage) comes in.
Many condo owners assume the HOA policy covers them completely. It doesn't. Without your own policy, you're exposed to significant risk.
What Does HOA Master Insurance Cover?
Most HOA master policies cover the building's exterior structure and common areas. This typically includes hallways, elevators, the roof, exterior walls, the pool, the fitness center, and landscaping.
What the master policy usually doesn't cover: your unit's interior, your personal property, your liability, or improvements you've made to your unit. The gap between the master policy and your belongings is your responsibility.
What Condo Insurance Covers
• Interior walls, floors, and fixtures - Cabinets, countertops, flooring, and built-ins inside your unit.
• Personal belongings - Furniture, electronics, clothing, appliances, and everything else you own.
• Liability protection - If someone gets injured in your unit and sues you.
• Additional living expenses - If your unit becomes unlivable and you need temporary housing.
• Improvements and betterments - Upgrades you've made like new kitchen cabinets or hardwood floors.
• Loss assessment coverage - If the HOA levies a special assessment after a claim that exceeds their policy limits.
Walls-In vs. All-In: Why It Matters
HOA master policies come in different types. Understanding yours is critical for proper coverage.
"Bare walls" or "walls-in" coverage means the HOA insures only the building structure. You're responsible for everything inside your unit, including drywall, paint, flooring, cabinets, and fixtures. You need higher dwelling coverage.
"All-in" or "single entity" coverage means the HOA insures the original interior finishes too. You still need coverage for your belongings and improvements, but dwelling limits can be lower.
Ask your HOA for a certificate of insurance showing what their master policy covers. We'll review it and make sure your condo policy fills the gaps properly.
What Affects Your Condo Insurance Rate?
• Unit size and location - Larger units and higher floors can affect rates.
• HOA master policy type - Walls-in policies require more personal coverage.
• Your belongings' value - Higher personal property limits cost more.
• Deductible you choose - Higher deductibles lower premiums.
• Your claims history - Previous claims can increase rates.
• Building age and construction - Older buildings sometimes cost more to insure.