Personal Condo Coverage
Condo Insurance for Your Unit, Belongings, and Liability
Condo Insurance for
Your Unit, Belongings, <BR.and Liability
Your condo association’s master policy may not cover everything.
Solara helps condo owners explore coverage options that protect
their unit interior, personal property, and personal liability.
Solara helps condo owners explore coverage options that protect
their unit interior, personal property, and personal liability.
About Condo Insurance
Coverage Designed for Condo Unit Owners
Condo insurance, also known as HO-6 coverage, is designed specifically for condo unit owners. While your condo association’s master policy covers the building’s exterior and common areas, it typically doesn’t cover your unit’s interior, your personal belongings, or your personal liability.
Solara works with multiple carriers to help you find condo coverage that fills the gaps left by your HOA’s master policy and fits your individual needs.
Who This Is For
- Condo owners and unit buyers
- Those whose HOA master policy doesn't cover unit interiors
- Condo owners with personal belongings to protect
- Anyone with liability exposure in a shared building
- Condo owners reviewing or updating their current coverage
Coverage Overview
What Condo Insurance Can Help Cover
Coverage types and availability vary by carrier and state. Here’s a general
overview of common condo insurance coverages.
overview of common condo insurance coverages.
Interior Unit Coverage
Helps cover damage to the interior of your condo unit including walls, flooring, and fixtures from covered events.
Personal Property
Helps cover your personal belongings — furniture, electronics, clothing — if damaged, destroyed, or stolen.
Liability Protection
Helps protect you if someone is injured inside your condo or you accidentally damage a neighbor's property.
Loss of Use
Helps cover temporary housing and living expenses if your condo becomes uninhabitable due to a covered loss.
Building Improvements
Covers upgrades and improvements you've made to your unit that may not be covered by the condo association's master policy.
Loss Assessment
Helps cover your share of a loss assessment charged by your condo association after a covered event.
Coverage availability, terms, and pricing vary by carrier and underwriting guidelines. Contact Solara to learn more about
what options may be available to you.
what options may be available to you.
Getting Started
How to Get Your Condo Insurance Quote
01
Submit Your Quote Request
Fill out a short form with your condo details, unit information, and coverage preferences.
02
Solara Reviews Your Options
We review your request and identify condo insurance carriers that may fit your needs and HOA situation.
03
We Follow Up With Next Steps
Solara reaches out to walk you through available coverage options and help you move forward.
Common Questions
Condo Insurance Questions &
Answers
Condo insurance (often called HO-6) is designed specifically for condo unit owners. It typically covers your unit's interior, personal belongings, and liability — while the condo association's master policy covers the building's exterior and common areas.
Yes, in most cases. The HOA master policy typically covers the building structure and common areas, but not your personal belongings, unit interior, or personal liability. Condo insurance fills that gap.
Loss assessment coverage helps pay your share of a special assessment charged by your condo association after a covered loss that exceeds the master policy's coverage limits. It's an important add-on for many condo owners.
Coverage needs depend on the value of your personal belongings, the cost to rebuild your unit's interior, and your liability exposure. Solara can help you think through appropriate coverage levels for your situation.
Bundling options vary by carrier. Some carriers offer discounts when you bundle condo insurance with auto or other policies. Ask Solara about available bundling options when you submit your quote request.
Ready to Explore Your Condo Coverage
Options?
Submit a quick quote request and Solara will help guide you through
available condo insurance options from our carrier partners.
available condo insurance options from our carrier partners.