Covers your unit's interior structure from the walls inward. Floors, ceilings, built-in cabinets, fixtures. If your HOA has a bare walls policy, this coverage is especially critical.
Covers furniture, electronics, clothing, and appliances against theft, fire, and other covered events. Protection extends to your belongings even when they're outside your unit.
If a guest is injured in your unit or you accidentally damage a neighboring unit, your policy covers legal costs and medical bills up to your coverage limit.
If your unit becomes uninhabitable after a covered event, your policy covers hotel stays and additional living expenses while repairs are made.
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The agency feels personal, accountable, and easier to trust than a faceless call center.
The value isn't just a cheap price. It's better-fit coverage through real comparison.
Great for families, businesses, and relocations across PA, WV, OH, NC, SC, FL, and MD.
Combine home, auto, and more under one agency to simplify billing and save on premiums.
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Trust continues after the quote: claims, certificates, policy changes, and reviews.
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HO-6 is the standard policy type for condo and co-op owners. It covers the interior of your unit, your personal belongings, personal liability, and loss of use. It works alongside your HOA's master policy to fill the gaps that policy leaves.
A walls-in HOA policy covers everything from the drywall inward, including fixtures and flooring. A bare walls-in policy covers only the structural shell. If your HOA carries bare walls-in coverage, your HO-6 policy needs to cover a lot more interior detail. Check your HOA bylaws or ask us to help you read them.
In most cases, yes. If a pipe bursts in the unit above you and water damages your floors, walls, or belongings, your HO-6 policy can cover the loss. The specifics depend on your policy and the circumstances, so it's worth understanding your coverage before you need it.
State law doesn't require it, but most mortgage lenders do require an HO-6 policy as a condition of financing. Even without a lender requirement, the cost of replacing your interior finishes and belongings out of pocket makes going without it a significant financial risk.
That depends on your HOA's master policy type and what you've invested in your unit. If your HOA has bare walls-in coverage, your dwelling limit needs to account for all interior finishes. If it's walls-in, your limit can be lower. We walk through your HOA documents with you to make sure you're not over or underinsured.
We’ll review your HOA policy, find the gaps, and build coverage around what you actually need.