Condo Insurance


Condo HO-6 insurance policy provides insurance protection for you as the unit owner for personal property and potential liability claims. The HO-6 also provides insurance solutions to fill in the potential gaps in coverage from the condo master insurance policy.

Purchasing a Condo HO-6 Insurance policy provides coverage for items that usually are not covered by your Condo Association Master insurance policy.

Any unit owner that occupies or rents a residential condo should purchase and Condo HO-6 Insurance policy. The HO-6 policy provides coverage for property damage or personal liability claims that arise from owning your unit.

Condo Insurance, Protecting You & Your Property

LoPriore Insurance offers our clients a comprehensive condominium unit owner’s insurance policy, also referred to as an HO-6 home insurance policy. You can choose from a variety of coverage and deductibles that suit your needs and budget. You can even combine your condo and auto package and maximize your insurance savings.

Renters Insurance - LoPriore Insurance Agency


Condo Association Policies and what they cover can vary widely. If you are having trouble reading between the lines and fully understanding your master policy, we can help determine what is covered and what is not covered. That way, you can make an informed decision about additional coverage you would need to protect yourself from loss under your condo owners insurance policy. With the expertise of over 20 years of service in the industry, we ensure that your coverage is tailored to fit your unique needs.

What’s Covered by Condo Insurance?

Personal Property: This is the cost to replace or repair your property. Personal property coverage includes many items such as electronics, furniture & clothing. This coverage will extend to the limits of your policy. Not sure how to assess the value of your personal property, we can help make sure you have adequate coverage.

Personal Liability: Should someone be injured while visiting your condo and you are deemed to be at fault, this particular coverage may help you pay for your guest’s related costs for care.

Building Property Protection: This coverage offers you protection for your portion of the building. The coverage necessary is determined by a thorough review of your master policy. If you have made any improvements or alterations to your unit, this is where coverage would be provided.


How much will condo insurance cost?

There are several factors in determining the cost of a condo unit owners policy.
• The condo bylaws and what master condo policy already covers
• Amount of personal property
• Type of building – construction – sprinkler- updates
• Deductible on master policy
• Wall-in coverage
As an independent insurance agent, we are glad to identify all these factors and prepare an insurance policy that gives you the best price with proper coverage.

What does condo association insurance cover?

Master policies vary and can be extremely comprehensive, including many different added coverage’s for example, directors and officer’s professional liability, employee dishonesty, water back up etc. Some are very basic, and the deductible can vary from policy to policy. Also, note the condo by-laws sometimes spells out how your master policy will respond during a claim as well.

Is condo insurance required?

While not required by law condo unit owner’s insurance nowadays, most lenders do require this coverage to obtain a mortgage. Also, some condo associations are demanding this coverage to be a unit owner in good standing. Lastly, in the litigious world we live in, it would make sense to protect yourself with an insurance policy against claims brought against you and also have coverage for damage to your property.

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