Condo Insurance
Condo Insurance
The coverage your HOA master policy doesn't include. Get a real number on screen in about five minutes.
What Condo Insurance Covers
Most HOA master policies stop at "bare walls." Everything from the drywall inward — flooring, fixtures, cabinets, and your belongings — is your responsibility. A condo (HO-6) policy fills that gap.
Coverage Includes
- Interior dwelling — walls, flooring, cabinets, built-ins, and fixtures you own.
- Personal property — your belongings inside the unit.
- Liability — injuries to guests and damage to neighboring units. Limits available from $100K to $1M.
- Loss assessment — your share of HOA-assessed damages to shared building elements.
- Optional add-ons — water backup, identity restoration, short-term rental endorsements.
Who It's For
Condo owners whose HOA master is bare-walls or studs-out, lenders requiring HO-6, owners renting their unit out (short-term or long-term), and snowbird owners with a seasonal condo. We write coverage across primary residences, vacation properties, rentals, and vacant units. We can handle brush-exposed and coastal properties!
What You'll Need to Quote
- Unit address and year built
- Interior coverage amount you want to carry
- Preferred deductible
Condo Rater (Non-CA)
Instant rate indication for HO-6 condo policies.
Location & Eligibility
Property Details
Systems & Safety
History & Endorsements
● Calculating…
Your Estimated Quote
Property Premium
$0.00
Endorsements
$0.00
Estimated Annual Total
$0.00
(Excludes taxes and fees)
How a Quote Works
The tool above returns an indication based on the inputs you provide. Before any policy is bound, a licensed Blue Spruce agent reviews your application, confirms eligibility, and walks through any clarifications. No policy is auto-bound from the tool.
FAQ
Why do I need HO-6 if my HOA has a master policy?
Most master policies stop at bare walls. Everything from the drywall inward — flooring, fixtures, cabinets, your belongings — is the owner's responsibility. HO-6 covers that plus your share of major HOA assessments.
My lender requires a specific coverage amount. Can you match it?
Yes. Enter the required Coverage A amount in the rater and the policy will match or exceed any lender requirement.
Is this good for rental units?
Yes — standard or short-term. Tell us how often it's rented and the policy is configured accordingly.
I'm closing on a unit next week. How fast can you turn around a quote?
Same day, often within an hour or two if you have your HOA's master declarations page handy. Send what you have and we'll work backward from your closing date.
Questions before you quote? Call Colleen at (720) 604-1820.