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What is condo insurance?

Condo insurance is a lot like homeowners insurance — it’s there to help you protect the things that make your home a home, in case of damage or theft. In the industry, it’s known as an HO-6 policy, and it goes beyond an HOA’s insurance coverage. When you live in a condominium, co-op or townhome, the roof, exterior walls and grounds belong to your HOA or co-op. Your own policy covers what’s inside — your walls, ceilings and floors, cabinets and furniture, clothing and cookware — plus accidental injuries to others.

Ways to save on condo insurance

BUNDLE your condo policy with:

Condo insurance coverages

Personal property coverage

to help pay costs if your furniture, clothing and other belongings are stolen, damaged or destroyed.

Personal liability protection

to help pay legal, medical and other expenses if you’re responsible for damage or injuries to someone else.

Loss of use coverage

to help pay extra rent and other costs if you have to live elsewhere during repairs.

Unit owner’s building coverage

to help with damage to your condo’s interior — walls, cabinets, lighting — if it’s not covered by your HOA’s policy.

Association loss assessment coverage

to help if your HOA assesses you for a share of a major building expense, like a new roof.

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