Condo insurance (HO-6) covers what your condo association’s master policy doesn’t — the interior of your unit, your belongings, your liability, and loss assessments.
By the Home & Dime Editorial Team · Updated 2026
What HO-6 covers
- Interior walls, floors, fixtures, and upgrades.
- Your personal belongings.
- Personal liability and guest medical.
- Loss of use if your unit is unlivable.
- Loss assessment (your share of a master-policy shortfall).
The master policy gap
Your HOA’s master policy usually covers the building exterior and common areas. HO-6 fills the gap for everything inside your unit — check whether the master policy is “bare walls” or “all-in” to know where your coverage starts.
Frequently asked questions
Does condo insurance cover the roof?
No — the roof and exterior are the association’s master policy. Your HO-6 covers your unit’s interior.
Do I need condo insurance?
Lenders require it, and the master policy won’t cover your belongings or interior upgrades.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Complete Condo Insurance guide
Every condo insurance question we’ve answered, in one place:
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