Condominium unit owner coverage
Condo insurance for your unit, belongings, and liability
Your condo association insures the building, but that policy usually stops at your walls. Condo insurance, sometimes called an HO-6 policy, fills the gap for your unit, your things, and your personal liability. Kaufman Insurance Group compares condo options from multiple companies.
- Coverage for the parts of the unit you own
- Protection for your belongings and your liability
- Help reading your association’s master policy
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare condo insurance from the companies we work with. The companies that can quote you depend on what you want to insure, where you live, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What condo insurance is
Condo insurance is a homeowners policy made for people who own a unit in a condominium. In the insurance world it is often called an HO-6 policy. It covers the parts of the property that belong to you rather than to the association.
Your condo association carries a master policy that covers shared areas such as the roof, hallways, and grounds, and often the building structure. What the master policy covers inside your unit varies a lot. Some master policies cover only the bare walls. Others cover original fixtures such as cabinets and flooring. Anything the master policy does not cover is usually your responsibility.
That is why reading your association’s bylaws and master policy matters. We can help you review them so your condo policy picks up where the association’s coverage ends, without big gaps or paying twice for the same thing.
Association master policy
Shared areas and the building structure, and sometimes original fixtures inside units, depending on the policy.
Your condo policy
Your interior finishes and improvements, your belongings, your liability, and extra living costs after a covered loss.
Know what you are choosing
What condo insurance typically includes
The right mix depends on your association’s master policy. These are the main parts of most condo policies.
Dwelling or unit coverage
Helps repair interior walls, floors, cabinets, and upgrades you are responsible for after a covered loss.
Personal property
Helps replace your furniture, clothing, electronics, and other belongings.
Personal liability
Helps pay if you are responsible for injuring someone or damaging their property, including a neighbor’s unit.
Loss of use
Helps pay extra living costs if a covered loss makes your unit unlivable for a while.
Loss assessment
Helps pay your share of a special assessment from the association after a covered loss to shared property.
Water backup option
Optional coverage for damage when a drain or sewer backs up, which is often excluded unless added.
Is it right for you
Who needs condo insurance
If you own a condo, your mortgage lender and your association will often require you to carry a condo policy. Even without a requirement, it protects things the master policy does not.
Condo owners who live in their unit
You want your belongings, upgrades, and liability protected.
Owners who rent out their condo
A rented unit may need a different policy form. Tell us how the unit is used so it is insured correctly.
Owners who have remodeled
New flooring, cabinets, or appliances may not be covered by the master policy.
Buyers closing on a condo
Your lender will likely need proof of coverage before closing.
Not sure what your master policy covers? Send it to us and an agent can help you read it.
How Kaufman helps
How we help you insure your condo
We start with your association’s master policy, because it decides how much coverage your own policy needs.
Share your association documents
Send the master policy summary or bylaws if you have them, plus details about your unit.
We compare companies
An agent reviews condo options from the companies we work with and sizes coverage to fill the gaps.
Choose your coverage
Pick the coverage and deductible that fit. We can often pair your condo policy with auto insurance.
We focus on Ohio and North Carolina, and we can also help condo owners in most other states. If your association changes its master policy or deductible, let us know so we can check your coverage.
Common questions
Condo insurance questions
What is an HO-6 policy?
HO-6 is the insurance industry name for a condo unit owners policy. It covers the parts of your unit you are responsible for, your belongings, and your personal liability.
Doesn’t my condo association’s insurance cover my unit?
The master policy covers shared areas and often the building structure, but coverage inside units varies. Many owners are responsible for interior finishes, upgrades, and their belongings.
What is loss assessment coverage?
If the association has a covered loss to shared property and charges owners a special assessment to pay for it, loss assessment coverage can help pay your share, according to the policy terms.
Do I need condo insurance if I rent my unit out?
Yes, but the policy may need to be written differently. Tell us whether you live in the unit or rent it out so it is insured the right way.
Can I bundle condo and auto insurance?
Often, yes. Many companies offer condo and auto insurance together. We compare bundled and separate options.
Related coverage
Coverage that pairs well with condo insurance
Homeowners insurance
Coverage for single-family homes if you are moving from a condo to a house.
Explore homeowners insuranceHome and auto bundles
See how condo insurance can be combined with auto.
Explore bundlesPersonal umbrella insurance
Extra liability protection above your condo and auto policies.
Explore umbrella insurancePersonal insurance hub
See every type of personal coverage we can help you with, from your home and cars to your toys and valuables.
Explore personal lines insuranceReady to protect your condo?
Start a condo insurance quote online, or contact us with questions. An agent will help you compare your options.
Prefer to talk? Call (330) 486-8404.