What Does Condo Insurance Cover (and What It Doesn’t)?
Understanding HO-6 policies—and what your HOA covers vs. what you’re responsible for
If you own a condo in California, your homeowner’s association (HOA) likely carries a master insurance policy. But that doesn’t mean you're fully covered.
To protect your personal space and belongings, you'll need a condo insurance policy (HO-6). Let’s break down what it includes—and where your HOA’s coverage stops.
Own the space within your walls
Condo insurance fills the gaps your HOA can’t.
From floors to furniture, protect what’s truly yours.
What Is an HO-6 Condo Insurance Policy?
An HO-6 policy is a type of homeowners insurance designed specifically for condo unit owners. It works alongside your HOA’s master policy to fill in coverage gaps and protect:
Your unit’s interior (walls, flooring, cabinets, appliances)
Your personal belongings
Your liability if someone is injured inside your unit
Your living expenses if your condo becomes unlivable
What Does the HOA Insurance Cover?
The HOA’s master policy usually covers:
The building’s exterior (roof, exterior walls, common areas like hallways, pools, and gyms)
Shared plumbing, wiring, and foundation
Liability for accidents in shared spaces
There are two types of HOA master policies:
Bare Walls: HOA insures only the structure and shared areas. You’re responsible for everything inside the walls of your unit.
All-Inclusive: HOA may also cover built-in fixtures (like countertops or cabinets). You may need less coverage for interior structures.
Always request a copy of your HOA’s insurance certificate so your agent can tailor your HO-6 policy correctly.
What an HO-6 Condo Policy Covers
| Coverage Type | What It Protects | |
|---|---|---|
| Dwelling (Interior) | Walls, flooring, lighting, and fixtures inside your unit | |
| Personal Property | Furniture, electronics, clothing, and valuables | |
| Loss of Use | Hotel, meals, and living expenses if unit is uninhabitable | |
| Personal Liability | Legal and medical costs if someone is injured in your unit | |
| Loss Assessment | Your share of costs if HOA faces a large property or liability claim |
Final Thoughts
Condo living comes with convenience—but also shared responsibility. Having the right HO-6 policy ensures you're protected for what you own, inside your walls.
At CST Insurance Services, we’ll help you:
Review your HOA’s policy
Customize your condo insurance
Ensure you’re not under- or over-insured
