Coverage
Condo insurance (HO-6)
A condo association carries a master policy, and almost nobody reads it. It usually stops somewhere around the unfinished walls, which leaves your flooring, cabinets, fixtures and everything inside them to you. An HO-6 policy covers that gap, your belongings and your liability, and it has to be written against what your particular association actually covers.
What this coverage generally includes
- Building property (walls-in): flooring, cabinets, fixtures and improvements
- Personal property, with scheduled items for valuables
- Personal liability and medical payments to others
- Loss of use while the unit is uninhabitable
- Loss assessment, for your share of a master-policy shortfall
- Water damage originating in your unit
What we will ask you
- A copy of the association master policy, or its declarations page
- Whether the master policy is bare walls, single entity or all in
- The association deductible, which can be assessed back to owners
- Any upgrades you have made to the unit since you bought it
Worth knowing
- Loss assessment is the coverage condo owners most often lack. A large claim against the association can be billed back to every owner.
- If you rent your condo out, even occasionally, that changes the policy. Tell us.
- Your lender will have a minimum HO-6 requirement. We will read it rather than guess.
Descriptions of coverage on this site are general summaries for information only. They are not an offer of insurance, not a contract, and not a guarantee of coverage or price. Only the policy issued by the insurance company determines what is covered. Coverage, availability, discounts and eligibility vary by carrier and by applicant and are subject to underwriting.
Other coverage we place
- AutoLiability, collision and comprehensive cover for the cars your household actually drives.
- HomeCover for the structure, your belongings, and the liability of owning a home.
- RentersYour belongings and your liability. Inexpensive, and the one most renters skip.
- MotorcycleBikes, ATVs, UTVs and dirt bikes, including the gear and the custom parts.
- PetHelp with veterinary bills for accidents, illness and, on some plans, routine care.
- LifeTerm and permanent cover, sized to what the people who depend on you would need.
- BusinessGeneral liability, commercial property, commercial auto and workers compensation for Arizona businesses.
- Umbrella & specialtyExcess liability above your home and auto limits, plus the vehicles and risks a standard policy leaves out.
Get a quote, and a straight answer
Tell us what you have now and what you are worried about. We will compare the carriers we work with and walk you through the differences.