Condo.
Covers your unit's interior, your belongings, your liability, and your share of association assessments, starting wherever your building's master policy stops.
One request, shopped across 60+ carriers by a licensed agent.
About three minutes. No obligation.
What it is
What is condo insurance?
Condo insurance covers the part of the building your association's insurance does not: the interior of your unit, everything you own inside it, your legal liability, and your share of certain assessments. Where the association's coverage ends and yours begins is written into your condo documents, and it sits in a different place in every building.
Most units are written on what the industry calls an HO-6, the standard unit-owners form. It is built to sit on top of the association's master policy, which comes in three flavors. A "bare walls" master policy covers the building's structure and common areas and essentially nothing inside your unit. A "single entity" policy covers the unit as originally built, but not the upgrades anyone has added since. An "all-in" policy covers interior fixtures and finishes too. Your HO-6 exists to fill whatever gap your building's version leaves.
Two numbers do most of the work. The dwelling limit should equal what it would cost to rebuild your interior, cabinets, counters, flooring, tile, fixtures, at the standard actually in the unit. Carriers routinely default this number far too low. And the loss assessment limit, which pays your share when the association bills every owner after a covered loss, comes with a token built-in amount that is inexpensive to raise and usually worth raising. Reading your condo documents to set both correctly is our job, not yours.
Who usually carries it
- Buyers closing on a unit. Lenders and most associations require an HO-6 before the keys.
- Owners in bare-walls buildings, who are insuring everything from the studs in.
- Anyone who has renovated a kitchen or bath the master policy will never rebuild.
- Owners in buildings with a large master-policy deductible, where one storm can put an assessment under every door.
- Anyone sharing a plumbing stack with the neighbors above and below, which is to say every condo owner.
Coverage
What condo coverage handles.
Your unit, from the walls in
Drywall, flooring, cabinetry, counters, and built-ins, including upgrades a previous owner made, starting exactly where your master policy stops. That is why we read the bylaws before we quote.
Personal property
Furniture, clothing, electronics, the contents of every closet, covered worldwide, with high-value items like jewelry scheduled past their small built-in sub-limits.
Loss of use
The extra cost of living somewhere else while a covered loss is repaired: the rental, the longer commute, the meals you would not otherwise be buying.
Loss assessment
Pays your share when a covered loss makes the association bill every owner. The built-in limit is token, and the endorsement that raises it is one of the cheapest lines on a condo quote.
Personal liability
What you legally owe when a guest is hurt in your unit or your overflowing tub ruins the ceiling below, plus the lawyers to defend you, paid on top of the limit.
Medical payments to others
A small, no-fault coverage that pays a guest's minor medical bills so a twisted ankle in your entryway never becomes a lawsuit.
Exclusions: read these first
What it does not cover.
Every policy has edges. Knowing them now is the difference between a covered claim and a surprise.
Flood
Rising water is excluded on your policy and the master policy alike. A separate flood policy covers the unit, and upper floors are not exempt when a flood assessment gets billed to every owner.
Assessments for maintenance and shortfalls
Loss assessment pays only when a peril your own policy covers caused the bill. An aged-out roof, a repaving project, or underfunded reserves is a bill, not a claim.
Sewer and water backup
Water backing up through drains is excluded unless the water backup endorsement is added, which in a building of shared plumbing stacks we do on nearly every quote.
Wear, tear, and slow leaks
The supply line that bursts tonight is covered. The one that dripped inside a wall for six months is maintenance, and what ages inside your unit is yours.
A unit you rent out
A standard HO-6 assumes you live there. Long-term tenants call for a landlord policy and short-term listings for an endorsement, so tell us which one you are.
Where carriers differ
Every edge above moves with the carrier and the form: assessment caps, master-deductible coverage, what an endorsement restores. We read the specific form, and your condo documents, before you buy.
The water heater upstairs lets go
A water heater in the unit one floor up fails on a Saturday, and by the time anyone notices, water has come through the ceiling below: drywall down, recessed lights dead, and the engineered hardwood installed two years ago cupped beyond saving. The association's master policy is bare walls, so it owes nothing inside the unit.
How the coverage responds: dwelling coverage on the HO-6 replaces the ceiling, lighting, and flooring at the standard actually in the unit, minus the deductible, because the limit was set from the finishes rather than a carrier default. Personal property replaces the soaked rug and speaker cabinet, and loss of use pays the extra cost of three weeks in a rental while the floors are dried, laid, and refinished. Because the heater had been leaking for weeks, the carrier then pursues the neighbor's insurer to recover what it paid, deductible included, a process called subrogation. Without an HO-6, the owner funds a gut-and-refinish and weeks of temporary housing personally, then chases the neighbor for reimbursement alone.
An illustrative example, not a real claim. Actual coverage depends on the policy issued.
What moves the price
We don’t quote prices on a website. Anyone who does is guessing. These are the factors underwriters actually weigh.
- What it would cost to rebuild your interior, cabinets, counters, flooring, fixtures, at the quality actually in the unit, not the carrier's default dwelling amount.
- Your building's master policy: whether it is bare walls, single entity, or all-in, and the size of its deductible, which shapes both your dwelling and loss assessment limits.
- Building construction, age, and protection: sprinklers, alarms, and how far the building sits from a staffed fire station.
- Regional catastrophe exposure (hurricane wind, hail, wildfire) and any separate deductibles that come with it.
- Claims history, both yours and the unit's, which carriers read from a shared industry database called CLUE.
- The personal property limit you carry and any scheduled items such as jewelry or instruments.
- The deductible you choose, and in most states an insurance score based partly on credit history.
Credits that can move this price
The factors above push the price up. These are the named credits that pull it back. Which ones exist, and what they’re worth, varies by carrier and state. We check every one that could apply before we quote.
- Multi-policy credit for pairing the HO-6 with your auto policy
- Protective-device credits: central-station alarms and sprinklers
- Secured-access or doorman-building credit at some carriers
- Smart water-shutoff or leak-sensor credit: carriers like them in buildings with shared plumbing
- Claims-free credit for several years without a paid claim
- Retirement-community and 55-plus building credits where carriers offer them
Questions
Condo, asked and answered.
Reviewed by a licensed property & casualty agent · Updated July 2026
Pairs with
Coverage that usually travels together.
- 01Personal UmbrellaLiability coverage that starts where your home and auto limits stop, for the lawsuit those policies can't fully absorb.Explore →
- 02FloodThe one peril every homeowners policy excludes. Rising water gets its own policy, through the federal program or a private carrier.Explore →
- 03AutoPays other people when a crash is your fault, and for your own car when almost anything else happens. Limits chosen on purpose, not by state minimum.Explore →
What happens next
A licensed agent reads it
Your request goes to a person, not a queue, the same business day.
We shop the carriers
We quote it across the markets that actually write this line and compare what comes back.
You decide
Options side by side, in plain English. Nothing is bound until you confirm it in writing.
Rather do the whole thing by phone? Call (917) 246-7038.
Carrier count reflects current appointments. Availability varies by state and line.
Start here
Let's price your condo coverage.
Tell us what you need. We shop it across 60+ carriers. You pick, and nothing is in force until it's confirmed in writing.
About three minutes. No obligation.
