Condo Insurance (HO-6)
Condo insurance (HO-6) fills the gap between the building's master policy and your unit, covering interior fixtures, belongings, liability and loss assessments from the association.
- Brand
- Policy type
- Category
- Home & Property Insurance Types
- Released
- Price
- Not published
- VersusAnything Score
- 67/100
Key features
- Covers interior walls and fixtures
- Loss assessment cover
- Cheaper than homeowners
Best for owners of condominiums and apartments governed by an owners' association.
condo insurance specifications
| Who it is for | Condo and apartment unit owners |
|---|---|
| Covers the building | Interior only (walls-in); master policy covers the rest |
| Covers your belongings | Yes |
| Personal liability included | Yes |
| Typical annual cost (US, approx.) | Roughly $450-$650 per year |
| Cost tier (1 = cheapest) | 2 |
| Who requires it | Mortgage lenders and many associations |
| Loss of use / temporary housing | Yes |
| Common exclusions | Flood, earthquake, common areas, items above sub-limits |
Score breakdown
- Overall (100%)
Scored against every property insurance policy in our database using the home & property insurance types weighting.
Pros and cons
Pros
- Covers interior walls and fixtures
- Loss assessment cover
- Cheaper than homeowners
- Strong overall score (67/100 within home & property insurance types)
Cons
- No weak scoring group in its category
Compare condo insurance against
Alternatives to condo insurance
- Homeowners Insurance (HO-3) 17/100
- Renters Insurance (HO-4) 100/100
- Landlord Insurance (DP-3) 17/100
Sources
- condo insurance: Policy type official (manufacturer)
Specifications last verified: 2026-10-01. Prices are launch or official list prices in US dollars unless stated. See our sources and data policy.