Your HOA's master policy covers the building — but not your unit's interior, your belongings, or your personal liability. Condo insurance (HO-6) fills those gaps.
Condo insurance (HO-6) is specifically designed for condo and townhome owners. It covers what your HOA's master policy doesn't.
Covers your unit's interior — walls, floors, fixtures, built-in appliances, and upgrades.
Protects your belongings — furniture, electronics, clothing, and other personal items.
Covers legal costs if someone is injured inside your unit.
Covers your share of special assessments if the HOA's master policy doesn't fully cover a building loss.
Pays for temporary housing if your unit becomes uninhabitable after a covered loss.
Covers upgrades and renovations you've made beyond the unit's original condition.
Every condo and townhome owner in Utah needs an HO-6 policy. Your HOA's master policy has significant gaps that leave you personally exposed.
Homeowners insurance covers the entire structure. Condo insurance covers only your unit's interior and personal property — the building exterior is covered by the HOA's master policy.
Yes. The master policy covers common areas and the building structure, not your personal belongings, interior finishes, or personal liability.
If a major loss exceeds the HOA's master policy limits, the HOA can assess each owner for their share. Loss assessment coverage pays your portion.
Your coverage should include: replacement cost of your unit's interior improvements, full value of your belongings, and at least $100,000 in liability. We'll review your master policy to determine the right amount.
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