What is a Condominium unit owners policy?
A condominium unit owners policy is a personal insurance policy for someone who owns a condo unit. It is commonly called an HO-6 policy.
It is designed to cover the parts of the property and liability exposure that the condo association's master policy usually does not fully cover.
In plain terms, it typically helps protect:
Inside the unit
Flooring, cabinets, countertops, drywall, built-ins, and improvements or upgrades—the finishes and fixtures within your walls that the association master policy may not fully replace.
Personal property
Furniture, clothing, electronics, and household belongings—your contents inside the unit.
Personal liability
Bodily injury or property damage to others for which you may be legally responsible—guests, neighbors, and similar claims.
Additional living expenses
If the unit becomes uninhabitable after a covered claim, extra costs like temporary housing may be covered.
A condo unit owners policy usually works together with the condo association's master policy. The master policy may insure the building structure and common areas, while the unit owner's policy fills in the gaps for the unit owner.
A simple example: if a kitchen fire starts in your condo and damages your cabinets, your belongings, and a neighbor's unit, the HOA master policy may cover part of the building, while your HO-6 policy may cover your contents, interior finishes, liability, and possibly deductible or assessment exposure.
One important detail is that condo associations differ. Some master policies are "bare walls," while others are more inclusive. That is why the HO-6 should match the association's bylaws and insurance requirements.
We Do Not Sell Insurance
We verify existing unit owner and vendor insurance and confirm that it meets your association's coverage requirements. Owners and vendors may use any qualified insurance provider they choose, as long as the policy satisfies your requirements.