your walls, their walls — sorted.
Condo coverage (HO-6) picks up exactly where your HOA's master policy stops — and the line between them is drawn in your association documents, not guesswork. We read them so the gap lands on neither side.
10+ carriers compared
condo insurance, done right.
walls-in coverage
Flooring, cabinets, fixtures, improvements — typically yours to insure, whatever the master policy implies.
loss assessment
When the HOA's deductible gets divided among owners after a big claim, this coverage pays your share — it's the sleeper essential of condo insurance.
contents & liability
Everything renters coverage does, plus your interior structure.
good to know, colorado edition.
Colorado HOAs have been raising master-policy deductibles sharply (hail again) — which silently shifts thousands of dollars of risk onto each owner. Loss-assessment coverage is the antidote, and it costs very little.
price it for me →
asked constantly.
Doesn't my HOA insure the building?
The structure's exterior and common areas, yes. Your unit's interior, your belongings and your liability are yours — and the boundary varies by association. Bring your HOA docs; we'll decode them.
What is loss assessment coverage?
When a major loss exceeds the HOA's policy or deductible, owners get assessed their share. This coverage pays it — increasingly important as master deductibles climb.
Is condo insurance cheaper than homeowners?
Substantially, since the structure is mostly the master policy's problem. All the more reason to set walls-in and assessment limits correctly.
two minutes to real numbers.
Free condo insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.