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Guarino Insurance Agency Blog

What Does A Condo-Unit Owner Policy Cover (HO-6) ?

Written by GuarinoInsurance
16. February 2011 01:49

    What Does A Condo-Unit Owner Policy Cover (HO-6) ?


  • Everyone who owns a condo should have a unit-owner policy to cover their condo.  This policy is going to cover several things that the master condo policy may not cover.  The first thing you need to know when writing your unit-owner policy is exactly what your master condo policy does and does not cover.  Most importantly, does it cover the inside walls and fixtures of your condo?  Some master condo policies do cover this, but, if yours does not, this amount needs to be reflected in your HO-6 policy.  That way if there was a fire and your condo needed to be rebuilt you would have enough coverage to replace the "inside walls" of the condo.  This coverage amount should be reflected in the Dwelling section of the policy.
  • Your HO-6 policy will also cover your personal property.  This includes your clothing, furniture, electronics, etc.  The amount that you chose for coverage under this section is the maximum amount that the insurance company will pay you in the event that they pay a claim.
  • In addition, the policy gives you coverage for Loss Of Use.  This means that in the event that your condo in uninhabitable due to a covered claim they will give you up to this specified limit to live in a hotel/motel until the condo is livable. 
  • A unit-owner condo policy also has coverage available for personal liability.  This means that in the event that someone slips and falls in your condo and sues you, this coverage will come into play.  This is a very important coverage; without this a lawsuit could put you in financial ruin. 

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February 16. 2011 20:37


Maybe you can do one on a Condex like we have in Methuen MA.

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March 7. 2011 09:15


Sure Gerard, please contact me directly at and I can work on the quote. Thanks!

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