Condo Insurance
Owning a condominium in Southern California offers the convenience of shared community living with the benefits of homeownership. But condo ownership also comes with unique insurance needs that differ from traditional homeowners policies. Whether you live in a high-rise in Los Angeles, a coastal unit in Orange County, or a townhouse in the Inland Empire, having the right condo insurance helps protect your personal property, your unit, and your financial well-being.
As an experienced condo insurance agent, Troy Kelly specializes in helping condo owners throughout Southern California find the right coverage to complement their condo association’s master policy. We’ll help you understand what’s covered by the HOA and what you’re responsible for as an individual unit owner.
Individual Condo Insurance (HO-6 Policy)
Individual condo insurance—commonly known as an HO-6 policy—provides protection for the interior of your unit and your personal belongings. While your condo association typically insures the building’s exterior and common areas, the HO-6 policy covers everything inside your four walls.
HO-6 condo insurance typically includes:
- Dwelling Coverage: Protects interior elements such as walls, flooring, cabinets, fixtures, and any upgrades or renovations you’ve made.
- Personal Property Coverage: Covers your furniture, electronics, clothing, and other belongings against damage or loss from events like fire, theft, or vandalism.
- Loss of Use: Pays for temporary living expenses if your unit becomes uninhabitable due to a covered event.
- Personal Liability: Provides financial protection if someone is injured inside your condo and files a claim against you.
We’ll review your condo association’s master policy (also known as an HOA policy) to determine whether you need “walls-in” coverage or broader protection. This ensures there’s no gap in your coverage.
Condo Association Insurance (Master Policy)
Condo associations in Southern California are responsible for maintaining and insuring shared areas and structural elements of the building. The HOA master policy usually covers:
- The building’s exterior and roof
- Shared walls, hallways, stairways, and elevators
- Common areas such as pools, clubhouses, and landscaping
- General liability for accidents in shared spaces
There are two main types of master policies:
- Bare Walls Coverage: Covers only the structure and common areas, leaving you responsible for everything inside your unit.
- All-In Coverage: Includes built-in appliances, fixtures, and sometimes upgrades, but excludes personal property.
Understanding the limits of your association’s policy is key to ensuring your personal condo insurance fills in the right gaps. We’ll help you review your HOA documents and customize your individual coverage accordingly.
Get the Right Protection for Your Condo
Condo living comes with unique responsibilities, and the right insurance helps you stay prepared for the unexpected. Whether you’re buying your first condo or reviewing your current policy, our Southern California condo insurance experts are here to help.
Contact us today for a free condo insurance quote. We’ll walk you through your options and help you protect your unit, your belongings, and your peace of mind. We also offer landlord insurance, renters insurance, and more.