Condo Insurance

Coverage designed for condominium unit owners and residents.

Condo Insurance, sometimes called HO-6 coverage, is designed to provide financial protection for the portions of a condominium unit that a homeowner is responsible for, such as interior structures, personal property, and certain types of liability.

Because condominium associations typically insure only the building’s common areas and exterior, unit owners may need their own policy to address individual coverage needs.

Mason-McBride works with multiple insurance carriers to review policy options that align with various condominiums’ master policy, ownership structures, and personal property values.

Understanding Condo Insurance

A condominium master policy generally covers shared spaces, while individual unit owners remain responsible for their interior walls, fixtures, and personal belongings.
An individual condo policy bridges that gap by providing coverage for:

Interior structures and improvements — including walls, flooring, cabinetry, and fixtures.
Personal belongings — such as furniture, electronics, clothing, and household items.
Liability coverage — addressing claims if a guest is injured within the unit or if accidental damage occurs to another resident’s property.
Loss of use — for additional living expenses if the unit becomes temporarily uninhabitable due to a covered event.

Because association policies vary, reviewing both documents together helps ensure there are no coverage overlaps or gaps.

Common Coverage Considerations

When evaluating a condo insurance policy, owners may review:

The type of master policy carried by the association (walls-in vs. bare-walls).
Replacement-cost value for interior features and personal property.
The deductible responsibility between association and unit owner.
Optional endorsements for water backup, identity theft, or loss assessment.

Coverage terms, limits, and endorsements differ by insurer and policy form.

Request a Condo Insurance Quote

Get an online quote below, or call our office at (248) 822-7170.

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