An HO-6 policy fills the gap between your condo association’s master policy and what you’re personally responsible for — your interior, your belongings, your liability, and special assessments.
Your condo association’s master policy usually covers the building and common areas — but not everything inside your unit. An HO-6 policy covers the rest: your interior build-out, flooring, cabinets, fixtures, and personal belongings.
It also protects you from liability and from loss assessments — your share of a big repair the association bills back to owners after a covered loss, which is common in Florida coastal buildings.
We help you read your master policy so your HO-6 is sized correctly — not too little, not too much.
We review your association’s coverage (bare-walls vs all-in) so your HO-6 fits.
Multiple A-rated carriers compared for the best fit and price.
Combine with auto for multi-policy discounts.
Coastal condo associations often pass big repair costs to owners. Loss assessment coverage protects you from those surprise bills — ask us how much you need.