Your building should be covered by the association’s master policy, but your belongings and liability exposures are not, and the interior of your unit may not be. Unlike many agencies, we take the time to research the policy on the building to prevent coverage gaps or redundancies in your HO6 insurance policy.
Properly insuring a condo unit requires a deep understanding of both the policy on the unit and the master policy on the building, as one influences the other.
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Insurers We Work With
We work with a variety of Insurers but here are a few of our most popular.
Building Property (Dwelling)
Building property coverage covers permanently attached property within your unit (walls, flooring, cabinetry, fixtures, etc.) This may also be covered by your HOA’s master policy, in which case your HO6 policy need only cover up to the master policy deductible.
Personal property coverage covers your belongings, including furniture, electronics, clothing, kitchenware, etc. The personal property limit is based on the value of your belongings. Condo insurance policies include sub-limits, which can be increased, on valuables and items that are frequently stolen.
Loss of Use
Loss of use coverage covers additional living expenses (primarily a hotel, apartment, or rental home) if your home is rendered uninhabitable by a loss covered under your condo policy. The loss of use coverage limit should be based on your living expenses and the time it might take to rebuild your condo building.
Guest medical covers medical expenses if a guest injures themselves. Keep in mind that if a guest holds you responsible for injuries, the liability coverage under your HO6 policy would respond, so we consider guest medical coverage to be optional.
Liability coverage protects you financially if held responsible for most injuries or property damage outside of a motor vehicle. Examples are injuries caused by a trip/slip on your property, dog bites, or while playing sports. We recommend HO6 insurance liability limits of at least $300,000.
Loss assessment coverage typically helps pay HOA special assessments after a loss that is covered by the association’s master policy, when that master policy has a large deductible or exceeds coverage limits.
Identity fraud coverage primarily covers legal fees and lost wages associated with the restoration of credit after identity theft.
Find a better policy.
We are eager to help, and make quoting easy. Call, text, email, chat, or quote online.
With our easy process, you can rest assured knowing that you are getting the best value and most coverage for your dollar.
Collect the bare minimum information.
Present a quote, including all available discounts.
Offer recommendations to improve coverage or lower premium.
Bind coverage and provide insurance documentation.