Condo Insurance

Your Association Insures the Building. But What About You?

Condo insurance — commonly called an HO-6 policy — helps protect your belongings, personal liability and the parts of your unit you're responsible for. Briteline can help make sure your policy works with your association's master insurance.

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What Does Condo Insurance Protect?

Your condo association's master policy and your individual HO-6 policy work together. Your individual policy can protect the things the association's insurance does not.

Your Unit

Building-property coverage can help protect portions of the interior of your condo that are your insurance responsibility, subject to your association documents and policy terms.

Personal Property

Helps protect belongings such as furniture, electronics, clothing and other personal property after a covered loss.

Liability

Helps protect you financially if you are legally responsible for certain injuries or property damage to others.

Additional Living Expense

May help with additional living costs if a covered loss makes your condo temporarily uninhabitable, subject to policy terms and limits.

The Master Policy Matters.

Condo insurance isn't one-size-fits-all because condominium associations don't all insure the building the same way.

Your association's declaration, bylaws and master insurance policy help determine where the association's responsibility ends and yours begins.

That's why simply choosing an arbitrary amount of dwelling coverage on an HO-6 policy can leave you with too much coverage — or potentially not enough.

Briteline Tip

Send Us the Master Policy.

If you have your association's certificate of insurance, master-policy information or applicable association documents, send them with your current condo policy. We can use the available information to help evaluate how your individual coverage should fit with the association's insurance.

Condo Coverages Worth a Closer Look

Price matters, but some of the most important differences between HO-6 policies can be found in coverages that receive much less attention.

Building Property

Cabinets, flooring, fixtures, improvements and other interior building items may be your responsibility depending on the association's documents and master policy. Your HO-6 dwelling limit should reflect that exposure.

Water Backup

Water or sewage backing up through a drain or sump can create an expensive loss. Water-backup coverage is generally separate from the basic protections provided by a standard condo policy and should be reviewed carefully.

Replacement Cost

Personal-property settlement provisions matter. Replacement cost coverage can provide broader protection for covered belongings than coverage settled solely on an actual-cash-value basis, subject to policy terms.

Don't Overlook Loss Assessment.

A condominium association can sometimes assess unit owners for certain losses or insurance costs involving commonly owned property. Loss-assessment coverage may provide protection for qualifying assessments, subject to the reason for the assessment and the terms and limits of your policy.

Association Loss

A covered event involving common property can potentially create expenses that are allocated among unit owners.

Master Policy Deductible

Depending on the circumstances and association documents, unit owners may potentially face assessments related to a master-policy deductible.

Coverage Limits Matter

Loss-assessment coverage is subject to limits, exclusions and sometimes special sublimits, so the dollar amount alone does not tell the entire story.

Why Condo Owners Choose Briteline

The goal isn't simply to find a cheap HO-6 policy. It's to make sure the coverage actually fits your unit and your association.

Multiple Carriers

Briteline is an independent agency, allowing us to compare available coverage and pricing from multiple insurance companies rather than quoting only one carrier.

Coverage Review

We can review your existing HO-6 coverage and available association insurance information to help identify important gaps or differences before making a recommendation.

Home + Auto

Condo insurance can often be packaged with your auto and umbrella coverage, allowing us to evaluate both the overall protection and total household insurance cost.

Condo Insurance FAQ

What is an HO-6 policy?

HO-6 is a common policy form used for owner-occupied condominium units. It can provide coverage for personal property, personal liability, additional living expenses and portions of the unit that are the owner's insurance responsibility.

Doesn't my HOA already insure my condo?

The association generally carries a master insurance policy, but that does not replace your individual condo policy. The master policy typically covers association property and certain portions of the building, while your HO-6 policy addresses exposures belonging to you individually.

How much dwelling coverage do I need on a condo?

There is no single amount that works for every condominium. The appropriate limit depends in part on what portions of the unit you are responsible for insuring under the association's governing documents and master-policy structure, as well as the value of improvements and building items you need to protect.

What is loss-assessment coverage?

Loss-assessment coverage may help when a condominium association assesses unit owners for certain qualifying losses. Whether an assessment is covered depends on why it was issued, the underlying cause of loss and the terms and limits of your individual policy.

Does condo insurance cover water damage?

Some types of sudden and accidental water damage may be covered, while other causes may be excluded or require an endorsement. For example, water backup through a drain or sump is commonly handled differently from a sudden plumbing leak. Flood is also a separate insurance exposure.

Does condo insurance cover my belongings?

Personal-property coverage can protect qualifying belongings such as furniture, clothing and electronics against covered causes of loss. Coverage limits, deductibles and settlement provisions apply.

Can I bundle condo and auto insurance?

Yes. Depending on the insurance company, placing your condo and auto policies together may qualify for package or multi-policy discounts. Briteline can compare the overall package rather than evaluating each policy solely on its individual premium.

Let's Make Sure Your Condo Is Covered Correctly.

Send us your current condo policy and, if available, your association's master insurance information. We'll compare available options and help you determine what makes sense for your unit.