An HO-6 condo policy covers what the association's master policy leaves to you: belongings, interior items, liability and your share of loss assessments.
Home and RentersStandard home policies exclude earthquake damage. See what earthquake coverage pays, how percentage deductibles work, and why the risk reaches past California.
Home and RentersFlorida requires $2,000 of loss assessment coverage on condo unit-owner policies, not a full HO-6. See what the master policy covers and the post-Surfside rules.
A NYC co-op shareholder usually needs an individual HO-6-style policy alongside the building's master policy. See what each covers, and what boards require.
DC has no universal homeowners insurance mandate, but lenders require it. HO-3 policies averaged $1,384 in 2022, and the Condo Act sets HO-6 owner minimums.
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