HO6 Insurance Explained

Owning a condominium is a significant investment, and protecting it with the right insurance coverage is vital. Condo owners often require a unique type of home insurance known as an HO6 policy, specifically tailored to the needs of condominiums and townhomes. This article aims to provide a comprehensive understanding of HO6 insurance, its coverage, benefits, and why it’s crucial for condo owners.

What is HO6 Insurance?

HO6 home insurance is a specific type of homeowners insurance designed for condominium & townhome owners. Unlike traditional homeowners insurance that covers the structure and the land, HO6 policies focus on protecting the interior structure of the condo unit and the owner’s personal property.

Understanding Coverage:

1. Interior Structure Coverage:

  • Improvements and Alterations: HO6 policies cover structural elements inside the unit, such as built-in appliances, fixtures, and any renovations or upgrades made by the owner.
  • Walls, Floors, and Ceilings: Coverage typically includes these structural components in case of damage from covered perils like fire, vandalism, or water damage (unless the cause is from a source outside the unit).

2. Personal Property Coverage:

  • Belongings: HO6 insurance covers personal belongings like furniture, clothing, electronics, and appliances against covered perils such as theft, fire, or natural disasters.
  • Loss of Use: In the event your condo becomes uninhabitable due to covered damage, this coverage helps with additional living expenses while the unit is being repaired.

3. Liability Coverage:

  • Personal Liability: Protects against lawsuits for bodily injury or property damage that you or your family members cause to others.
  • Medical Payments: Covers medical expenses if someone is injured on your property, regardless of fault.

What’s Not Covered:

It’s essential to note that certain elements are typically not covered by an HO6 policy:

  • External structures like the building itself, walkways, or landscaping.
  • Some fixtures and items considered the responsibility of the condo association.

Importance of HO6 Insurance:

  1. Protection for Your Personal Property: In the unfortunate event of theft, fire, or other covered perils, having HO6 insurance ensures your personal belongings are protected.
  2. Liability Coverage: It shields you from potential lawsuits and provides coverage for medical payments in case of accidents within your condo.
  3. Peace of Mind: Knowing that your investment is protected can provide peace of mind, especially in a shared living environment where accidents can happen.

How Much Coverage Do You Need?

Determining the adequate coverage for your HO6 policy involves assessing the value of your personal property and understanding the limits and deductibles of the policy. It’s advisable to conduct a thorough inventory of your belongings to ensure you have sufficient coverage.


HO6 insurance is a fundamental part of protecting your investment as a condominium owner. Understanding the coverage, limits, and exclusions of your policy is crucial in ensuring you have the necessary protection for your condo and personal belongings.

Always consult with an insurance agent or professional to get a tailored policy that suits your individual needs. With the right HO6 insurance in place, condo owners can enjoy their homes with confidence, knowing they are adequately protected against unforeseen circumstances.

Please reach out to our office anytime for questions on your HO6 Home Insurance policy or a quote on your home insurance.

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