Condo Insurance

What Condo Insurance Covers

An HO-6 policy covers your personal property, including furniture, electronics, and clothing, against risks such as fire, theft, and water damage. It also provides personal liability protection if a guest is injured inside your unit, loss of use coverage if you need temporary housing after a covered event, and coverage for interior improvements like flooring, cabinets, and fixtures. Loss assessment coverage can also be added to help cover your share of costs if your association bills unit owners after a shared-building claim.

Coverage Built for Your Building

Every condo association structures its master policy differently, so the right amount of personal coverage varies from building to building and unit to unit. Main Street Insurance reviews your association’s policy details as part of setting up your coverage, so your HO-6 policy is sized correctly from day one instead of guessed at.