Condo insurance — an HO-6 policy — is one of the most misunderstood coverages in personal lines, and getting it wrong is expensive. Your condo association carries a master policy, but it only covers the building's common areas and structure to a defined point. Everything from that point inward — and often your fixtures, flooring, cabinets, and personal property — is your responsibility. The HO-6 policy fills that gap. In Florida's dense condo market and Washington's growing urban condo scene, understanding exactly where the master policy ends and yours begins is essential.
What condo (HO-6) insurance covers
| Coverage | What it protects | Notes |
|---|---|---|
| Dwelling (walls-in) | Interior structure: floors, cabinets, fixtures | Match to your master policy type |
| Personal property | Your belongings | Replacement cost recommended |
| Liability | Injuries/damage you're responsible for | $300k–$500k; pair with umbrella |
| Loss assessment | Your share of a master-policy shortfall | Raise this in FL — assessments can be large |
| Loss of use | Living costs if your unit is unlivable | Percentage of dwelling limit |
Reading your association's master policy
Before we set your HO-6 limits, we review your association's master policy declarations. A bare-walls master policy means you're responsible for everything from the drywall in — so your dwelling limit needs to be higher. An all-in master policy covers original fixtures, so you insure upgrades and personal property. Getting this alignment right is the single most important part of buying condo insurance, and it's exactly what an agent should do for you.
Estimated average condo (HO-6) premium (2025)
Special notes for Florida condo owners
Florida condos face hurricane wind exposure and, since recent reforms, stricter structural-reserve requirements that have increased association dues and special assessments. Robust loss-assessment coverage on your HO-6 is more important here than almost anywhere else — it can protect you when the association levies a large assessment after a storm or a failed reserve study.
Why buy condo insurance through Maru
We read the master policy so you don't have to guess. We align your walls-in coverage, set loss-assessment limits appropriate to your building and state, and bundle your condo with auto and umbrella for maximum savings and seamless liability protection.
Frequently asked questions
What does condo insurance (HO-6) cover that the master policy doesn't?
What is loss assessment coverage and why does it matter in Florida?
How much dwelling coverage does my condo need?
Is condo insurance required?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.
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