Personal Insurance
Condo & Townhome Insurance
Owning a condo or townhome comes with a unique insurance situation. Your HOA's master policy typically covers the building exterior and common areas — but your unit's interior, your personal belongings, and your personal liability are generally your responsibility. Condo/townhome insurance (often called an HO-6 policy) is designed to fill those gaps, covering everything from your walls inward and protecting you from unexpected costs.
What Condo & Townhome Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Interior walls, flooring, fixtures, and improvements you've made to your unit
Personal property — furniture, electronics, clothing, and valuables
Personal liability if a guest is injured inside your unit
Loss assessment coverage — helps cover your share of HOA special assessments after a covered event
Additional living expenses if your unit is uninhabitable after a covered loss
Water damage from appliances, plumbing, or neighboring units
Who Often Explores Condo & Townhome Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Condo owners who want to protect their unit and belongings
Townhome owners unsure of what their HOA master policy covers
New condo buyers required by their lender to carry HO-6 coverage
Those who've upgraded their unit and need to cover the added value
Anyone who wants liability protection beyond what the HOA provides
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
Ready to Get Covered?
Get Your Condo & Townhome Insurance Quote Today
Answer a few quick questions and we'll connect you with options from 96+ top carriers — tailored to your needs and your state.
Coverage options vary by carrier and state. A licensed agent can explain details and availability.
Free Tool
See Everything Your Household Might Need
Condo & Townhome insurance is one piece of your full protection picture. Use our Personal Coverage Finder to get personalized recommendations based on your home, vehicles, and priorities — in under a minute.
- Covers home, vehicles, and specialty items
- Recommendations ranked Essential, Recommended, or Consider
- Direct links to learn more or start a quote
- Free, no email required
Personal Coverage Finder
What Coverage Do You Need?
What best describes your living situation?