Condo Insurance
Your condo association's master policy covers the building, but it stops short of your unit. Our local agents compare condo policies from multiple carriers to help you cover what the association's policy leaves to you.
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What Is Condo Insurance?
Condo insurance, often written as an HO6 policy, covers the parts of your home the condo association's master policy does not. That usually means the interior of your unit, your belongings, and your personal liability. Where the master policy ends and your policy begins depends on the association's governing documents, which is why two units in the same building can need very different coverage.
As an independent insurance agency, Bay Road helps you compare policies from multiple carriers so you can choose coverage that's right for you.
What's Typically Covered?
A condo policy is built from several core coverages that work together to protect your unit and your finances.
Dwelling and Interior Coverage
Helps cover the interior elements of your unit, which can include flooring, cabinetry, built-in fixtures, and interior walls, depending on how your association's master policy is written.
Personal Property
Covers belongings such as furniture, electronics, clothing, and other personal items inside your unit.
Personal Liability
Provides financial protection if you're responsible for injuries or property damage involving others.
Loss Assessment
May help cover your share of an assessment charged by the condo association after a covered loss to shared property. Limits vary by policy and are often lower than owners expect.
Additional Living Expenses
Helps cover temporary living expenses if your unit becomes uninhabitable due to a covered claim.
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Frequently Asked Questions
What does condo insurance cover?
A condo policy generally covers the interior of your unit, your personal belongings, your personal liability, and loss assessment charges from the association. Your specific protection depends on the policy's terms, limits, deductibles, and exclusions, and on where your association's master policy stops.
What is the difference between condo insurance and home insurance?
Home insurance covers an entire structure and the land it sits on. Condo insurance covers the portion of the building your association's master policy does not, which is typically everything inside your unit's walls, along with your belongings and liability.
Does my condo association's master policy cover my unit?
Usually only in part. Master policies commonly cover the building's exterior, roof, and shared areas. Whether interior elements like flooring, cabinets, and fixtures are covered depends on whether the association carries a bare walls, single entity, or all-in policy. Reviewing the association's documents is the only way to know.
What is loss assessment coverage and do I need it?
If a covered loss affects shared property and the association's policy does not cover the full cost, unit owners can be billed for a share of the difference. Loss assessment coverage may help pay your portion. Standard limits are often modest, so it's worth reviewing whether yours matches your association's exposure.
How do I get a condo insurance quote?
Request a quote online or call a local Bay Road agent. We'll gather details about your unit, your association's master policy, and your current coverage, then compare available options from trusted carriers.
Condo Insurance Near You
Our local agents help condo owners throughout the communities we serve.
Condo Insurance Boca Raton
Condo Insurance Deerfield Beach
Condo Insurance Marathon
Condo Insurance Plantation
Condo Insurance Port St. Lucie
Condo Insurance Big Pine Key
Condo Insurance Key Largo
Get A Quote From A Local Agent
Compare coverage options from trusted carriers with help from a local insurance professional.
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