Condo Unit Owner Insurance (HO-6): Protect What’s Inside Your Condo

Condo unit owner insurance, also known as an HO-6 policy, is designed to protect what your condo association’s master policy doesn’t. While the association typically insures the building and common areas, an HO-6 policy covers what’s inside your unit—your belongings, upgrades, and personal liability.

What Does an HO-6 Policy Cover?

• Personal Property Protection
  Covers furniture, electronics, clothing, and other belongings against covered losses like fire or theft.
• Liability Coverage
  Helps protect you financially if someone is injured in your unit or if you cause damage to another unit.
• Loss Assessment Coverage
  Helps pay your share of association-assessed costs when damages exceed the master policy’s limits.
• Additional Living Expenses
  Covers temporary housing and living costs if your unit becomes uninhabitable after a covered loss.
• Improvements & Betterments
  Protects upgrades or renovations you’ve made to your unit.

An HO-6 policy helps protect your investment and your financial security—so you can enjoy condo living with confidence.

Let’s find coverage that fits your unit and your lifestyle.

Manufactured home insurance—also known as mobile home insurance—is designed to protect your home against damage from covered accidents or disasters. While similar to a standard homeowners policy, it’s specifically tailored to address the unique construction and risks of manufactured and mobile homes.

This coverage helps protect your home’s structure, personal belongings, and liability, and can help pay for temporary living expenses if your home becomes uninhabitable after a covered loss.

Manufactured home insurance helps protect your investment and gives you peace of mind—so you’re prepared for whatever comes your way.

Let’s find coverage that fits your home and your budget.