Condo insurance matched to your HOA’s policy.
HO-6 coverage for the inside of your unit, your belongings, liability and loss assessments, set up around what your association’s master policy does and doesn’t cover.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Where the HOA’s policy stops, yours starts
Your homeowners association insures the building and common areas under a master policy. What it covers inside your unit depends on your HOA’s governing documents and that policy.
An HO-6 policy fills in the rest. Getting it right starts with reading what your association is responsible for.
- Your unitInterior walls, floors, fixtures and improvements the master policy doesn’t cover.
- BelongingsFurniture, clothing and electronics, with valuables scheduled separately.
- Loss assessmentYour share if the HOA assesses owners after a covered loss or a shortfall in its policy.
- Liability and loss of useClaims from injuries in your unit, and housing if the unit can’t be lived in.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- The unit: address, unit number and square footage.
- HOA documents: the insurance section of your CC&Rs and the master policy certificate.
- Upgrades: improvements you or prior owners made.
- Use: owner-occupied, second home or rented.
- Belongings: rough value, and any jewelry or art.
- Claims: any in the last five years.
Condo insurance, answered
What’s the best homeowners insurance for condos?
Condos need an HO-6 policy rather than a standard homeowners policy. The best one is the HO-6 whose walls-in coverage, loss assessment limit and liability match what your HOA’s master policy leaves to you. I compare HO-6 options across carriers against your HOA documents.
Do I need condo insurance if my HOA has a master policy?
Usually yes. The master policy covers the building and common areas as your HOA documents define, but typically not your belongings, liability or everything inside your unit.
What is loss assessment coverage?
It pays your share when the HOA charges owners for a covered loss, such as a master policy deductible, up to your policy’s limit.
Does a condo policy cover earthquake?
Not by default. Earthquake coverage for condo units is a separate policy.
Is my mortgage lender going to require HO-6?
Many lenders require it for condo loans. Ask your lender for their specific requirements.
Do you offer condo insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state or high-value home insurance by state.
Send your HOA’s insurance section. I’ll match it.
The address and your master policy certificate are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
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Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
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Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.