Condo Insurance (HO-6)
Protect your condo unit, belongings, and liability with HO-6 insurance from Greene & Associates. We cover what your HOA master policy doesn't.
What Does HO-6 Insurance Cover?
Condo insurance fills the gaps left by your HOA's master policy.
Interior Dwelling Coverage
Covers improvements and upgrades to your unit's interior — flooring, cabinets, countertops, fixtures, and built-ins. Fills the gap where the HOA master policy stops.
Personal Property
Protects your belongings — furniture, electronics, clothing, appliances, and more — whether they're inside your unit or temporarily elsewhere.
Liability Protection
Covers legal expenses and medical bills if someone is injured in your unit or you accidentally cause damage to someone else's property.
Loss Assessment Coverage
One of the most important parts of condo insurance. Pays your share if the HOA levies a special assessment for damage to common areas not fully covered by the master policy.
Additional Living Expenses
Pays for temporary housing and extra costs if your condo becomes uninhabitable due to a covered loss like fire or hurricane damage.
Hurricane Deductible Buy-Back
Reduces or eliminates the high hurricane deductible that may apply under the HOA's master policy. Critical protection for Florida condo owners.
Get Your Free HO-6 Quote Today
We shop multiple carriers to find you the best rate on condo insurance. Most policies are surprisingly affordable — often less than $300/year.
Get Your Free Quote →HOA Master Policy vs. Your HO-6 Policy
Florida Condo Insurance Considerations
Frequently Asked Questions
What is HO-6 insurance?
HO-6 is the insurance industry term for condo insurance. It's designed specifically for condo owners and covers what the HOA master policy doesn't — your unit's interior, personal property, liability, and your share of any loss assessments.
Do I need condo insurance if my HOA has a master policy?
Yes. The HOA master policy covers the building structure and common areas, but it doesn't cover YOUR belongings, interior improvements, or personal liability. It also may not fully cover damage to your unit — leaving you on the hook for the difference. HO-6 insurance fills those gaps.
What is loss assessment coverage and why do I need it?
If the HOA needs to make a major repair (like replacing the roof or fixing hurricane damage) and the master policy doesn't cover the full cost, the HOA will assess each unit owner for their share. Loss assessment coverage pays your share so you're not stuck with a $10,000+ surprise bill.
Does condo insurance cover flood damage?
No. Just like homeowners insurance, HO-6 policies don't cover flooding. If your condo is in a flood zone (common in Florida), you need a separate flood insurance policy. We can help you get one.
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