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Condo (HO-6) explained

6 in-depth guides · updated November 2026

In a condo you insure the inside of the unit, while the HOA master policy covers the building. The gap between the two — walls-in, betterments and improvements, loss assessment — is exactly what an HO-6 is for.What the HOA master policy typically coversWalls-in coverage and the studs-in boundaryLoss assessment coverage when the HOA bills ownersDeductibles that sit alongside the HOA deductible

Claims Process Costs by State Coverage Basics Deductibles Discounts & Bundling Exclusions High-Value Homes Landlord (DP-3) Liability & Umbrella Replacement Cost

HO-6 Condo Insurance: What the HOA Master Policy Leaves Out — Arizona Guide

A condo owner insures the inside of the unit, not the building shell. The HOA master policy usually covers the structure and common areas;…

May 17, 2026·3 min read

HO-6 Condo Insurance: What the HOA Master Policy Leaves Out — Pennsylvania Guide

A condo owner insures the inside of the unit, not the building shell. The HOA master policy usually covers the structure and common areas;…

May 11, 2026·3 min read

HO-6 Condo Insurance: What the HOA Master Policy Leaves Out — New York Guide

A condo owner insures the inside of the unit, not the building shell. The HOA master policy usually covers the structure and common areas;…

May 6, 2026·3 min read

HO-6 Condo Insurance: What the HOA Master Policy Leaves Out — Florida Guide

A condo owner insures the inside of the unit, not the building shell. The HOA master policy usually covers the structure and common areas;…

May 2, 2026·3 min read

HO-6 Condo Insurance: What the HOA Master Policy Leaves Out — Texas Guide

A condo owner insures the inside of the unit, not the building shell. The HOA master policy usually covers the structure and common areas;…

Apr 27, 2026·3 min read

HO-6 Condo Insurance: What the HOA Master Policy Leaves Out — California Guide

A condo owner insures the inside of the unit, not the building shell. The HOA master policy usually covers the structure and common areas;…

Jan 14, 2026·3 min read