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Condominium Unit Owner Insurance - Let us find your best coverage - coverage for your unit and everything in it
A condo policy covers the parts of the unit the association's master policy doesn't, plus your belongings and liability. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Condominium Unit Owner (HO-6) Quote Request
Applicant Information:
Have these handy
- Unit address and number
- Association master policy summary
- Upgrades you've made to the unit
- Current declarations page
Related coverage
Coverage details
What Condominium Unit Owner coverage includes
A condo policy (HO-6) covers what the association's master policy does not: your belongings, your liability, and usually the interior of your unit, including improvements you or prior owners made. The right dwelling limit depends on your association's bylaws, so we review the master policy with you to avoid gaps or paying twice.
- Walls-in coverage - Interior walls, floors, cabinets and fixtures.
- Personal property - Furniture, clothing and belongings, at home or away.
- Loss of use - Hotel and extra living costs while the home is repaired.
- Personal liability - Injuries to guests and damage you cause to others.
- Loss assessment - Your share of a special assessment after a covered loss.
- Water backup - Sewer and drain backup damage inside your unit.
- Scheduled valuables - Higher limits for jewelry, art and collectibles.
Good to know: read your association's bylaws. They say whether the master policy is walls-in, bare walls or all-in, which decides how much interior coverage you need.
Not covered: the building structure and common areas insured by the association, plus flood and earthquake unless added.
Insurance Application:
Condominium Unit Owner (HO-6)
Required forms
Condominium Unit Owner (HO-6) Supplemental Application (PDF)
Related supplements (add any that apply)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Condo insurance explained
How condo insurance works
Your association insures the building. Your HO-6 policy picks up where the master policy stops.
Walls-in coverage
Interior walls, floors, cabinets, fixtures and upgrades you are responsible for.
Personal property
Furniture, clothing, electronics and belongings.
Loss of use
Hotel and extra living costs while your unit is repaired.
Personal liability
Injuries to guests and damage you cause to other units.
Loss assessment
Your share of a special assessment after a loss to common areas or a large master policy deductible.
Water damage
Sudden leaks from your unit or the unit above, subject to policy terms.
Check the master policy deductible. Many associations now carry large deductibles, sometimes $25,000 or more, and pass them to unit owners through assessments. Make sure your loss assessment limit is high enough to cover your share.
Master policy types
What your association covers
Master policy types
- Bare walls: covers the structure only; you insure everything inside, including drywall and fixtures
- Single entity: covers original fixtures but not your upgrades
- All-in: covers fixtures and improvements; you insure belongings and liability
What to send us
- Your association's bylaws or insurance section
- The master policy certificate and deductible
- A list of upgrades such as flooring, cabinets and appliances
- Your current declarations page
Renting out your condo? A unit you rent to tenants needs a landlord or rental condo form, and short-term rentals need specific coverage. See Short-Term Rental.
More options
Coverage condo owners often add
Start with the condo application, then add anything that fits.
Related coverage
Personal Umbrella
Liability above your condo and auto limits.
Get a quote Supplemental application (PDF)Short-Term Rental (Airbnb / VRBO)
Renting your unit short term.
Get a quote Supplemental application (PDF)This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.