Condo Insurance (HO-6) in Ohio & Pennsylvania
Specialized HO-6 policies that fill the gaps in your association's master policy.
Condo insurance — called HO-6 — covers what your HOA's master policy doesn't. Most master policies cover only the building's exterior and common areas, leaving you on the hook for everything from the studs in. We write HO-6 policies across 100+ carriers and review your association's master policy to make sure you're not over- or under-insured.
What Condo Insurance Covers
Core coverage components we'll review and tailor on your quote.
Building Property (Coverage A)
Covers improvements inside your unit — flooring, cabinets, fixtures, built-ins — that the master policy doesn't insure.
Personal Property
Replaces your furniture, electronics, clothing, and belongings after a covered loss.
Personal Liability
Protects you from lawsuits if a guest is injured in your unit or you damage a neighbor's property (think: bathroom flood).
Loss Assessment
Pays your share when the HOA assesses owners after a large loss exceeds the master policy. Essential — we recommend at least $50,000.
Loss of Use
Pays for temporary housing if your unit becomes uninhabitable after a covered claim.
Optional Add-Ons Worth Considering
- Water backup and sewer endorsement
- Scheduled jewelry, art, and high-value items
- Equipment breakdown
- Identity theft restoration
Common Exclusions (What's Usually NOT Covered)
Knowing what your policy doesn't cover is just as important.
- Damage covered by the HOA's master policy
- Flood damage (separate flood policy needed)
- Earthquake (separate endorsement)
- Wear and tear, pests, mold from chronic moisture
Who Really Needs This Coverage
- All condo owners — the master policy never covers everything inside your unit
- Owners with significant unit upgrades or finishes
- Lenders typically require HO-6 if you have a mortgage
- Anyone with neighbors below you (water damage liability)
What Drives Your Premium
Master policy type ("all-in" vs "bare walls")
Bare-walls master policies require much more Coverage A on your HO-6.
Unit value and finishes
Custom kitchens and flooring raise the rebuild cost.
Loss assessment limit
$50K vs $25K vs $10K — small premium difference for big protection.
Deductible
$1,000 is typical; bumping to $2,500 often saves 10–15%.
Frequently Asked Questions
Quick answers about condo insurance in Ohio and Pennsylvania.
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Plain-English guides relevant to condo insurance.
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