Condo Insurance

Condo insurance, also called an HO-6 policy, is an important safeguard for every condominium owner. While your condo association’s master policy provides some protection, it typically doesn’t cover everything. An HO-6 policy helps fill those gaps by protecting your personal belongings, covering certain interior damages, and offering liability protection if someone is injured inside your unit.

Our agency can walk you through your options and help you choose the right coverage for your needs. Contact us today to get started.

Coverage needs can vary, but a standard HO-6 policy often includes:

• Dwelling Coverage – Helps pay for repairs to the interior of your condo (walls, floors, fixtures, etc.) from covered events such as fire, smoke, or severe weather.
• Personal Property Coverage – Protects your belongings, such as furniture, clothing, and electronics, if they are damaged, stolen, or destroyed.
• Personal Liability Coverage – Provides financial protection if someone is injured in your condo and you’re found responsible, helping with medical bills or legal costs.
• Additional Living Expenses – Covers costs like hotel stays or meals if your condo becomes uninhabitable due to a covered loss and you need temporary housing.

Depending on your situation, you may also want to consider optional coverages such as flood insurance or a personal umbrella policy for added protection.

Our team is here to help you customize your policy so you can feel confident your condo and belongings are protected.

If you’ve considered it all, you might think that the “stuff” you have accumulated isn’t worth that much. It may or may not be worth anything from a dollar amount, but that’s very different compared to how much it would cost you to replace it. Buying a new bedroom set, clothing, or a computer can cost much more than you think.

You’ll be surprised at how affordable renters insurance can be. Besides covering all your stuff, it covers you from being held liable for if someone hurts themselves while they’re in your home. So, in the unfortunate event you’re sued, and the judgment goes against you, the renters policy will cover you, up to the policy limits.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.