Property owners
The HO-6 condo insurance guide
An HO-6 policy insures what the HOA master policy leaves to you. Read the master policy first, then set three limits: interior dwelling coverage, personal property, and loss assessment.
Three steps to the right HO-6
Short answer: Get the master policy, set interior and belongings limits, and match loss assessment to the master deductible.
- 1Ask the HOA for the master policy's coverage type and deductibles
- 2Set interior (Coverage A) to rebuild your finishes and improvements
- 3Set loss assessment at least equal to your share of the largest master deductible
Then see condo insurance in Washington.
Keep exploring
- Condo insurance (HO-6)Condo insurance (HO-6) covers your unit's interior, belongings and liability, plus loss assessments from the HOA. What the HOA master policy covers — and what it leaves to you.
- SeattleSeattle home insurance for craftsman and older homes: knob-and-tube and old plumbing, steep-slope landslide areas, sewer backup, earthquake and high rebuild costs.
- RentonRenton home insurance for Highlands ramblers, Kennydale lake-view homes and newer townhomes: slopes, Cedar River flooding, HOA townhome coverage and earthquake.
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