Condo insurance covers sudden water damage inside your unit — like a burst pipe — and often a neighbor’s leak that damages your belongings, but not floods.
By the Home & Dime Editorial Team · Updated 2026
Covered
- A burst pipe inside your unit.
- Water from the unit above damaging your interior and belongings.
Not covered
- Flooding (needs flood insurance).
- Gradual leaks and neglect.
Frequently asked questions
Who pays if my neighbor’s unit floods mine?
Your HO-6 covers your interior and belongings; your insurer may seek reimbursement from theirs.
Does it cover the building’s plumbing?
Shared plumbing is usually the master policy’s responsibility.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Condo Insurance guide
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