Condo Insurance
Protect your condo with innovative and customized insurance strategies, so you’re prepared when you need it most. Condo insurance (often called an HO-6 policy) is designed to help protect what you own inside your unit — your belongings, interior features you’re responsible for, and your personal liability. Because condos are shared buildings, the key to getting condo insurance right is making sure your HO-6 policy aligns with your HOA master policy so there are no costly gaps.
Below are common coverages condo owners choose to include. If you need coverage not listed here, don’t hesitate to reach out — we can help you build a policy that fits your unit and budget.
Unit Improvements & Betterments (Walls-In Coverage)
Condo insurance can help cover the interior parts of your unit you’re responsible for—such as flooring, cabinets, built-ins, fixtures, and upgrades. What you need depends heavily on whether your HOA master policy is bare walls, walls-in/single entity, or all-in.
HOA Master Policy Gap Protection (Critical for Condos)
Many condo owners assume the HOA covers more than it actually does. We help you review your HOA master policy and match your HO-6 limits to fill the gaps—especially for improvements, interior finishes, and rebuild costs after a claim.
Personal Property (Your Belongings)
Coverage can help protect furniture, electronics, clothing, and other belongings if they’re damaged or stolen. We’ll help you choose the right limit and discuss replacement cost options so you’re not stuck with depreciated payouts.
Loss of Use (Temporary Living Expenses)
If a covered loss makes your condo unlivable, loss of use coverage can help pay for eligible temporary housing, meals, and related expenses during repairs.
Personal Liability Protection
If someone is injured inside your unit—or you’re accused of causing damage to someone else’s property—liability coverage can help with eligible legal costs and settlements.
Medical Payments to Others
This can help cover smaller medical bills for guests injured in your unit—often without needing to prove fault—so minor incidents don’t become major disputes.
Loss Assessment Coverage (HOA Deductibles & Shared Claims)
If your HOA issues a special assessment after a covered loss—often due to a large master policy deductible or shared building damage—loss assessment coverage on your HO-6 policy may help with eligible assessments (coverage depends on your policy and the situation).
Optional Add-Ons for Real-World Gaps
Many condo owners add water backup, higher limits for valuables (jewelry, watches, collectibles), equipment breakdown, and other endorsements based on how the building is maintained and how the unit is used.
Quick Answers People Search For:
Is condo insurance required?
Your HOA may require it, and your mortgage lender often does too. Even when not required, HO-6 coverage is the primary way to protect your unit interior, belongings, and liability.
What does condo insurance cover?
Typically: your personal property, liability, loss of use, and interior improvements you’re responsible for—plus optional coverage like loss assessment.
Does the HOA master policy cover my unit?
Usually it covers common areas and building structure—but the “line” varies (bare walls vs. all-in). That’s why aligning your HO-6 policy matters.
At StarNet Insurance Group, we make condo insurance simple — so you can protect your unit, your budget, and your peace of mind with confidence.