Condo Insurance

Geo depth: Class A

Condo insurance (HO-6) covers a unit owner's interior, personal belongings, and liability, complementing the condo association's master policy, which typically covers the building's shared structure and common areas. Coverage gaps between the two policies vary by association bylaws.

Compare Condo Insurance rates

What is condo insurance?

A condo (HO-6) policy typically covers the interior of your unit — from the walls in, including built-in fixtures you're responsible for — plus personal belongings and liability, filling the gap left by the condo association's master policy, which usually covers the building's shared structure and common areas.

Exactly where the association's master policy coverage ends and your HO-6 policy needs to begin depends on the association's bylaws and master policy type (bare-walls vs. all-in/single-entity coverage), so reviewing your association's governing documents is an important step before choosing coverage limits.

What affects your condo insurance cost

Typical costs vary significantly by state, provider, and personal factors — {{VERIFY: national average condo insurance premium not yet sourced}}. Rather than a single number, the factors below are what actually move your quote up or down.

What the association's master policy covers vs. excludes (bare-walls vs. all-in)
Personal property coverage amount needed
Liability coverage limit selected
Loss assessment coverage (your share of an association-wide claim), if added
Location and building age
Any improvements/betterments made to the unit

How to compare condo insurance providers

Price is only one part of the decision. Before choosing a provider, compare each of the following side by side:

Coverage limits, and exactly what's included or excluded
Deductible options and how a higher or lower deductible changes the premium
Financial strength ratings from an independent rating agency (e.g., AM Best, S&P, Moody's) — an indicator of an insurer's ability to pay future claims
Customer service and claims-handling reputation, including complaint-ratio data where a state Department of Insurance publishes it
Available discounts and bundling options
Confirmation that the carrier is licensed to write this coverage in your state

Explore condo insurance by state

Coverage requirements and licensed carriers for condo insurance vary by state. Here are a few popular starting points, or browse the full state directory below.

Condo Insurance FAQ

What does condo insurance (HO-6) cover that the association's master policy doesn't?

It depends on the master policy type, but HO-6 coverage typically fills the gap for interior finishes, built-in fixtures, personal belongings, and liability inside your unit — review your association's specific master policy and bylaws to see exactly where its coverage ends.

What is loss assessment coverage?

It's an optional coverage that reimburses you for your share of a special assessment the condo association levies on all owners after a large covered loss to the building or common areas — worth discussing with your carrier if your association has assessed owners before.

Am I required to carry condo insurance?

It's often required by the condo association's bylaws and, separately, by a mortgage lender if you have a loan on the unit — check both your association documents and loan terms. {{VERIFY: your specific association/lender requirement}}.

Ready to see condo insurance options?

Compare providers side by side using the factors above, then see options tailored to your state and situation.