If you own a condo and live there as your primary residence, you need to have an individual condo insurance policy. This is similar to a homeowner’s insurance policy but is specifically designed for Condo Owners.
An individual condo insurance policy is known as an HO-6 policy, or HO6 condo policy.
The Homeowners Association (HOA) will carry a master insurance policy that will cover the dwelling structure of the condo units. Your HO-6 policy will offer some dwelling coverage, but will primarily provide coverage for your personal property as well as liability coverage. There are additional coverages that should be added to all condo insurance policies, such as loss assessment coverage.
If you own a condo that is used as an investment property (rented to others), you will need a landlord condo insurance policy.
Inside insurance was founded on the principle of Integrity (doing the right thing, even if no one is watching). We pride ourselves on putting our client’s needs first. Providing the most appropriate coverage is our first priority. As an Independent agency, we are able to provide our clients with the best insurance products available to suit their needs, and then match them with the best price available. We want to be your Agency for life and we strive to blow your socks off with our service to earn your trust in referring your family and friends.