"Alex was great to work with. He explained exactly what my HOA covered and what it didn't — and found me a condo policy that filled every gap at a price that fit my budget."
— Rafael Cintron
Condo Insurance
Your Unit. Your
Coverage.
Your HOA's master policy covers the building — but not what's inside your unit. RightQuote finds the right HO-6 condo policy to protect your interior, your belongings, and your liability.
HO-6 Interior CoverageIndependent & Unbiased20+ A-Rated Carriers
What's Covered
Inside the walls — that's your responsibility
Your HOA covers the building shell. An HO-6 policy covers everything from the walls in — and a lot more.
Interior Structure (HO-6)
Covers walls, floors, ceilings, and built-in fixtures inside your unit that the HOA master policy doesn't cover — including improvements you've made.
Personal Property
Protects your furniture, electronics, clothing, and valuables against theft, fire, water damage, and other covered perils.
Liability Protection
Covers legal costs and damages if someone is injured inside your unit or you accidentally cause damage to a neighboring unit.
Loss of Use
Pays for temporary housing and living expenses if your unit becomes uninhabitable due to a covered loss like fire or water damage.
Improvements & Betterments
Covers upgrades you've made to your unit — custom flooring, remodeled kitchen, upgraded fixtures — that the HOA policy won't replace.
Loss Assessment
Covers your share of a special assessment levied by your HOA after a covered loss that exceeds the master policy's limits.
Why RightQuote
Independent agent vs. captive agent
Condo insurance has unique coverage gaps. We make sure yours are filled.
FeatureRightQuoteCaptive Agent
Multiple carrier quotes
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Unbiased coverage advice
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HOA master policy gap analysis
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Loss assessment coverage
varies
Improvements & betterments coverage
varies
Annual policy review
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Licensed in 46 states
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Customer Stories
Real condo owners. Real protection.
"He is very kind and knows how to approach different sensitive topics. He is also available whenever I call him and responsive to call backs and emails. 10/10 recommend!"
— Marissa Stringer
"The most professional and competent insurance broker I have ever had the pleasure to work with. Alex was the kindest, most compassionate individual to come to my aid. Bless you always my friend!"
— Noel Harris
FAQ
Condo insurance questions answered
Further Reading
Condo & Homeowners Insurance Guides
Protect your condo — inside and out.
Get a free HO-6 condo insurance quote in minutes. We'll review your HOA master policy and make sure every gap is covered.