Condo Insurance
What is condo insurance?
Condo insurance, also known as condominium insurance or HO-6 insurance, is a type of insurance coverage specifically designed for condominium owners. Unlike traditional homeowners insurance, condo insurance is tailored to the unique needs and risks associated with owning a condo unit within a shared building or community. Condo insurance typically provides coverage for both the interior of the unit and personal belongings, as well as liability protection.
What does condo insurance cover?
One of the primary components of condo insurance is coverage for the interior of the unit. This includes the physical structure of the unit, such as walls, floors, and fixtures, that are not covered by the condominium association’s master policy. In the event of damage caused by covered perils, such as fire, water damage, or vandalism, the insurance policy can help cover the cost of repairs or rebuilding the interior of the unit. This coverage is crucial as it protects condo owners from potential financial burdens and ensures that their living space can be restored in the event of a covered loss.
Condo insurance also provides coverage for personal belongings. This includes furniture, electronics, clothing, and other personal items that may be damaged or stolen. In the event of covered perils, such as theft, fire, or a burst pipe, the insurance policy can provide reimbursement for the value of the damaged or lost items. This coverage helps protect condo owners from the financial impact of replacing their belongings and allows them to recover from unexpected losses.
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Additionally, condo insurance typically includes liability protection. This coverage is designed to protect condo owners if someone is injured in their unit or if they accidentally cause damage to someone else’s property. It can help cover medical expenses, legal fees, and potential settlements or judgments if the condo owner is found liable for the injury or damage. Liability protection is an important component of condo insurance as it provides financial security and peace of mind for condo owners. Ready to get started? Contact The Kind Insurance for a custom quote today.
What makes condo insurance unique?

Covers Only What You Own
Unlike homeowners insurance, condo insurance typically covers only the interior of your unit—walls, floors, ceilings, and personal belongings—while the condo association’s master policy covers the building’s structure and common areas.

Covers Personal Property Anywhere
Your belongings are covered even outside your condo—whether they’re stolen from your car, lost while traveling, or damaged in storage.

Additional Living Expenses (ALE) Coverage
If a covered event (like a fire) makes your unit uninhabitable, ALE helps cover hotel stays, meals, and other temporary living costs while repairs are made.
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