HO-6 (Condo)

Condo insurance — covers your belongings, liability, and the “walls-in” parts the HOA master policy doesn’t.

An HO-6 is condo insurance. It fills the gap between your belongings and the condo association’s master policy, which typically covers only the building and common areas.

It covers your personal property, your liability, your loss of use, and the “walls-in” portions of your unit — flooring, cabinets, fixtures, and any upgrades you’ve made — that the master policy leaves to you. It also includes loss assessment coverage for your share of certain association claims.

The right amount of building coverage depends on how much the master policy covers, so it’s worth checking whether that policy is “bare walls,” “single entity,” or “all-in.”

Condo insurance →

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.