Protection for the Things Your Condo Association Doesn’t Cover
Condo insurance, known as an HO6 policy, covers what the HOA master policy usually does not: your unit’s interior finishes, your belongings, your personal liability, and loss assessment for your share of certain HOA charges. In California it excludes earthquake and flood, which are separate.
Looking for Condo Insurance?
Schneiderman Insurance Agency has you covered!
Your condo association insures the building, but that master policy usually stops at your walls. An HO6 policy covers what is yours: interior finishes, belongings, and personal liability. We help California condo and townhome owners fill the gap between the HOA policy and their own responsibility.
What does condo insurance (HO6) cover? Interior structure, including flooring, cabinets, fixtures, and built-ins; personal property such as furniture, electronics, and clothing; personal liability if a guest is injured in your unit; loss of use if a covered event forces you to live elsewhere; and loss assessment coverage for your share of certain HOA charges.
Who needs it? Condo and townhome owners whose HOA carries only a master policy, buyers whose lender requires an HO6 policy at closing, owners who have upgraded interiors beyond the original build, and anyone wanting liability protection tied to their unit.
It is worth confirming whether your master policy is walls-in, which covers original interior fixtures, or bare-walls, which stops at the unfinished structure, because that determines how much your HO6 needs to cover. Loss assessment matters too, since an HOA may pass a shared cost on to unit owners.
We review your HOA master policy and CC&Rs, identify whether it is walls-in or bare-walls, and help you set HO6 limits that fit the gap. In a claim, we help coordinate between your policy and the HOA and advocate on your behalf.
