Condo & townhouse insurance
Coverage for owner-occupied condos and townhouses (often called an HO-6 policy) — generally intended to respond to interior damage, your belongings, liability, and loss assessment. (Not available in California or New York — submit online and we’ll reach out.)
Not available in California or New York — request a quote online below and we'll reach out.
What this coverage is generally intended to address
- •Interior & improvements. Generally intended to respond to covered damage to the interior finishes, fixtures, and improvements not covered by the association’s master policy.
- •Personal property. Generally intended to respond to covered loss of your belongings.
- •Personal liability. Generally intended to respond to third-party bodily injury or property damage you are liable for.
- •Loss assessment. May reimburse a special assessment charged by the association after a covered shared loss, subject to the policy.
Request your quote
Prefer to talk? Call 866-347-8683. Not available in California or New York — in those states, send your details below and we'll reach out.
Frequently asked questions
Doesn’t the HOA’s master policy cover everything?
The association’s master policy generally covers the building structure and common areas — not your unit’s interior, your belongings, or your personal liability. An HO-6 condo/townhouse policy is generally what fills that gap.
What is loss assessment coverage?
If the association charges owners a special assessment after a covered shared loss (like storm damage to a common roof), loss assessment coverage may reimburse your share, subject to the policy.
Is this the same as renters insurance?
No — renters insurance is for tenants who don’t own the unit. Condo/townhouse (HO-6) insurance is for owner-occupants and generally includes coverage for interior improvements that renters policies don’t.
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