What your condo association policy leaves to you
Published May 30, 2026
Condo insurance, often written as an HO-6 policy, fills the gap between your condo association's master policy and your personal responsibility. It covers the inside of your unit, your belongings, and your liability.
Master policy vs your policy
The association's master policy usually covers the building structure and common areas. Your HO-6 policy covers what it does not — typically the interior walls, fixtures, and improvements inside your unit.
What it covers
A condo policy covers your personal property, liability if someone is injured in your unit, and loss of use if you cannot live there after a covered loss. Some add loss assessment coverage for your share of certain association claims.
Reading the master policy
Master policies vary between bare-walls and all-in coverage, which changes how much you need. Ask your association which type applies before setting your limits.
Frequently asked questions
＋ What does an HO-6 policy cover?
It typically covers the interior of your unit, your personal property, your liability, and loss of use, picking up where the association master policy ends.
＋ Do I need condo insurance if the association has a policy?
Usually yes. The master policy covers the building and common areas, not your belongings, interior improvements, or personal liability.
＋ What is loss assessment coverage?
It helps pay your share of certain costs the association passes on to unit owners after a covered loss that exceeds the master policy limits.
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Educational content only — not legal, financial, or insurance advice. Requirements and pricing vary by state.