HO-6 (condo policy)
Condominium unit-owners policy for your interior, belongings, and liability gaps.
Plain definition
The HO-6 insures condo owners for personal property, loss of use, personal liability, and often improvements you make inside the unit. It fills gaps between your association master policy and what you actually own—from drywall in to fixtures—depending on association bylaws and master policy type.
Why it matters
Master policies vary on whether they cover bare walls or all-in interior. An HO-6 aligned with your association documents prevents underinsuring built-ins and upgrades.
Example
A burst pipe damages your upgraded kitchen cabinets. The HO-6 may pay your share of covered damage after association insurance applies to common elements per the loss agreement.
Common misunderstanding
Paying association dues does not replace your HO-6. The master policy rarely covers all unit-owner property.
Policy language always controls. This is educational content, not advice. See our disclaimer.