Condo & Townhome Coverage
Condo Insurance That Matches Your HOA Bylaws
Condo claims go wrong when the association's master policy and the unit owner's policy don't line up. We read your bylaws and write the HO-6 to fit the gap.
Master policies come in different flavors. A bare-walls policy leaves you responsible for everything from the studs in — cabinets, flooring, fixtures, drywall. An all-in policy covers more of the original build. Knowing which one your association carries changes how much interior coverage you need.
Loss assessment is the other coverage people miss. When damage to a shared roof, hallway, or garage exceeds the master policy, the association can bill each owner a share. Loss assessment coverage picks that up instead of your savings account.
Bring your association's declaration page and we'll compare it against your policy side by side, at no charge.
What This Policy Can Include
Building Property (Walls-In)
Cabinets, flooring, countertops, built-ins, and fixtures inside your unit.
Personal Property
Everything you'd take with you if you moved, covered against fire, theft, and water damage.
Loss Assessment
Your share of a special assessment after a covered loss to common areas.
Personal Liability
Protects you if a guest is hurt in your unit or you damage a neighbor's condo.
Loss of Use
Covers temporary housing while your unit is being repaired.
Water Backup
Important in multi-unit buildings where a backup upstairs becomes your problem downstairs.