Condominium owners’ insurance, otherwise known as an HO6 policy, offers personal property coverage, liability coverage and specific coverage of improvements to the owner’s unit. Insurance provided by the owner’s association may also cover most of the actual structure.

Typically, condominium owners do not own the structure they live in, so if you own a condominium or cooperative unit, your condominium insurance may not cover your entire dwelling space . Instead, you may be covered for your personal property and any portion of the unit you own under the terms of your covenants, conditions and restrictions (CC&R).

Condominium insurance is not available in all states, unlike most homeowners policies that are available in most states.

Personal Property Replacement Cost Contents for Condo

Similar to most Homeowners insurance policies, additional coverage may also be purchased on top of the HO6 policy to protect the contents of the home.  For more information on Personal Property Cost Contents, click here.