California condo insurance (HO-6)
Your HOA's master policy stops at the walls. An HO-6 covers what is inside and what you are responsible for.
What the HOA policy covers - and what it does not
Your HOA master policy usually covers the building structure and common areas, but the split varies. Many are bare-walls-in, meaning everything from the drywall inward is your responsibility. An HO-6 fills that gap.
- Interior walls, floors, cabinets, and fixtures (per your HOA's coverage split)
- Personal belongings, including theft
- Personal liability and medical payments
- Loss assessment - your share of a covered loss charged by the HOA
- Loss of use if your unit is uninhabitable after a covered loss
Read your HOA's master policy first
Before setting limits, get your association's master policy declarations. Whether it is bare-walls, single-entity, or all-in changes how much dwelling coverage you need on your HO-6. We can help you interpret it.
Frequently asked questions
Do I really need condo insurance if the HOA has a policy?
Yes. The HOA policy typically covers the building and common areas, not your interior finishes, belongings, or personal liability. An HO-6 covers those, plus loss assessments the HOA may charge you.
What is loss assessment coverage?
If a covered loss to shared property exceeds the HOA master policy, the association can assess each owner for a share. Loss assessment coverage on your HO-6 helps pay that bill up to your limit.
Does condo insurance include earthquake coverage?
Not by default. Earthquake is typically a separate policy or endorsement, which matters a lot in California. We can quote it alongside your HO-6.
Get your free quote
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