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What an HO-6 Policy Covers

An HO-6 is built for people who own a unit in a shared building. It covers parts of the unit the association does not, plus your belongings and liability.

Condo or co-op (HO-6) quote request

For apartment owners. Free and no obligation.

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Where is the unit?

Unit ZIP code *

Ownership type *

Building and unit

Building type *

How is the unit used? *

Upgrades since built

Association master policy type

Your contact details

Full name *

Phone *

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Typical HO-6 coverage types

Dwelling coverage for interior walls
fixtures and improvements
Personal property
Loss of use if the unit is uninhabitable
Personal liability and medical payments
Loss assessment

Why limits vary so much

The right dwelling limit depends on what the master policy and bylaws make you responsible for. In one building that is only paint and carpet; in another it is everything inside the drywall including kitchens and baths. Start by reading your association documents.

Unit coverage topics

Master policy types

Bare walls, single entity and all-in: how the association policy shapes yours.

Co-op apartments

How coverage works when you own shares and hold a proprietary lease.

Loss assessment

When the association bills owners for a loss, deductible or shortfall.

Rented units

Coverage when you rent your condo to a tenant or use it seasonally.

Frequently asked questions

Do I need HO-6 if the building has insurance?

Usually yes. The master policy rarely covers your belongings or personal liability, and often not your interior.

Own a condo or co-op apartment?

Tell us about the building and the unit. A licensed agent or partner may contact you about walls-in options.