Homeowners Insurance Homeowners
People who own the home they live in · Owners of a second or vacation home
Coverage for primary homes, secondary homes, seasonal homes, condos, and rental properties.
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Personal Lines
Condo Insurance
Specialized coverage for condominium owners.
A condo is not a house and not a rental apartment. The association insures the building. You need a separate policy for the inside of your unit, your belongings, and your share of certain association losses.
How it works
Condo coverage (often called an HO-6) is built to sit next to the association’s master policy. The master policy usually covers the structure and common areas. Your policy is meant to pick up unit interiors, upgrades you paid for (a remodeled kitchen, better floors), personal property, loss of use, personal liability, and often loss assessment — a bill the association sends owners after a large claim. We review the association bylaws and master policy so you are not paying twice for the same wall, or leaving a gap between “bare walls” and “all-in.” The same idea applies if you own a condo as a rental.
Who this is for
- Owner-occupants of a condominium
- Investors who rent out a condo unit
- Buyers who have just closed and need to satisfy the lender
- Owners facing a special assessment after a building claim
What it typically covers
- Interior finishes and improvements you own
- Personal belongings
- Personal liability
- Loss assessment charged by the association, when included
A simple example
A fire starts in another unit and the association assesses every owner $15,000. Loss assessment coverage on your condo policy is designed for that kind of bill — up to the limit you purchased.
Good to know
- Always match the policy to the association’s master form, not to a standard house policy.
- Improvements you made after purchase are easy to underinsure if no one updates the limit.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
What to review before a homeowners insurance renewal
Rebuild cost, roof, water, deductibles, and the flood gap that a standard HO-3 never fills.
Read guide