Your condo association’s insurance policy may cover the building itself, but that doesn’t always mean your personal property, interior finishes, or liability exposures are fully protected. That’s where condo insurance — also known as an HO-6 policy — comes in.
Condo insurance can help protect:
- The interior of your unit
- Flooring, cabinets, fixtures, and upgrades
- Personal belongings
- Personal liability
- Additional living expenses after a covered loss
Because every condo association is different, coverage responsibilities can vary based on your association’s bylaws. In many cases, condo owners are responsible for everything “from the drywall in.” Our team can help you understand what your association covers — and where your own policy should begin.
It’s also important to know that some townhomes require condo-style insurance policies as well. If you’re unsure whether you need a homeowners policy or condo insurance, we’re happy to help guide you through the differences.
At Horizon Insurance Group, we’ll help make the process simple and help you find coverage that fits your needs and budget.
Ready to get started? Contact our team or request a quote online today.