What Does Condo Insurance Cover?
A personal condo policy (HO-6) covers what your HOA master policy leaves out — your belongings, your unit's interior, your liability, and more.
Personal Property
Covers your furniture, electronics, clothing, appliances, and other belongings inside your unit against fire, theft, water damage, and other covered perils.
Personal Liability
If someone is injured inside your condo or you accidentally damage someone else's property, liability coverage pays legal fees, medical bills, and settlements.
Loss Assessment Coverage
If your HOA levies a special assessment after a major loss (like a building-wide claim), this coverage pays your share. Without it, you could owe thousands out of pocket.
Improvements & Betterments
Covers upgrades you've made to your unit — new flooring, upgraded cabinets, custom tile — that your HOA policy won't cover.
Additional Living Expenses
Pays for temporary housing and meals if your condo becomes uninhabitable due to a covered loss while repairs are made.
Building Property (Walls-In)
Depending on your HOA's master policy type, you may need to cover walls, floors, ceilings, and fixtures inside your unit. We'll help you identify the right coverage level.
The "Walls In" vs "Walls Out" Concept
HOA Master Policy (Walls Out)
Most HOA master policies cover the building's exterior, common areas, and sometimes the "bare walls" of individual units — meaning the structure itself, but not the interior finishes or your belongings. This is often called a "bare walls in" or "walls out" policy.
Your Personal Condo Policy (Walls In)
Your personal HO-6 policy covers everything the HOA policy doesn't — the interior of your unit, your personal property, your liability, and any improvements you've made. Understanding where one ends and the other begins is key to avoiding coverage gaps.
A Local Agent Who Works for You
With 284 five-star Google reviews and 17+ years of experience, Hunter Chaumont knows how to find the right coverage at the right price.
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Plain English Explanations
No jargon. You'll know exactly what you're covered for and what you're not — before you sign anything.
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