Condo Insurance

Owning a condo comes with unique coverage needs. While your condo association likely provides a master insurance policy for the building’s exterior and shared areas, that coverage usually stops at your unit’s walls. That’s where condo insurance steps in.

 

At Rowell Insurance Services, we offer condo insurance policies designed to protect what’s inside your unit — from flooring and fixtures to your personal belongings and liability.

What Does Condo Insurance Typically Cover?

  • Interior Unit Coverage
    Protects the parts of your condo that aren’t covered by your association’s master policy — like cabinetry, countertops, flooring, and built-ins.
  • Personal Property
    Covers your belongings such as furniture, electronics, appliances, and clothing against damage or theft.
  • Personal Liability
    Provides financial protection if someone is injured inside your unit or if you're held responsible for accidental damage to someone else’s property.
  • Loss of Use
    Helps pay for temporary living expenses if your condo becomes uninhabitable due to a covered event.
  • Loss Assessment Coverage
    If your condo association issues a special assessment for damage to shared areas not fully covered by their policy, this coverage helps pay your portion.


Whether your condo is your primary residence or a vacation property, we’ll help you understand where your association’s policy ends and where yours should begin. Contact us today for a free quote tailored to your unit and lifestyle. 

How an HO-6 Condo Policy Protects You

As a condo owner, your association's insurance only goes so far. An HO-6 policy fills in the gaps by protecting your unit’s interior, your belongings, and your liability. Here's how this specialized coverage can help safeguard your condo and your finances:


  • Interior Additions & Upgrades
  • Anything inside the walls of your unit is your responsibility — including upgrades like flooring, cabinetry, lighting, and fixtures.
  • If a fire, water leak, or storm causes damage, your HO-6 policy can help cover the cost to repair or replace these features.
  • Personal Property Coverage
  • Your furniture, electronics, clothing, and home goods aren’t covered by the building’s master policy.
  • With Coverage C – Personal Property, your HO-6 policy protects the items inside your unit.
  • Keep in mind: valuables like jewelry, antiques, and collectibles may require separate, scheduled coverage.
  • Personal Liability Protection
  • If someone is injured while visiting your condo — whether it’s a fall or accidental damage — you could be held legally and financially responsible.
  • Personal liability coverage helps protect you in case of lawsuits or claims.
  • Higher liability limits are also required if you want to add an umbrella policy for extra protection.
  • Medical Payments to Others
  • If a guest gets hurt in your condo, your policy can help cover their medical bills — even if you're not legally at fault.
  • Standard condo insurance typically includes medical payments coverage ranging from $1,000 to $5,000.
  • Loss Assessment Coverage
  • Sometimes, your condo association may pass costs on to unit owners after a shared property loss — like storm damage to roofs, stairwells, or common areas.
  • Loss assessment coverage helps cover your share of those unexpected charges.


At Rowell Insurance Services, we help you build an HO-6 policy that fits your space, your belongings, and your lifestyle. Contact us today for a quote and personalized coverage review.