Condo Insurance
Condo insurance—often called an HO-6 policy—helps cover what your condo association’s master policy may not. While the association may insure parts of the building and common areas, condo owners are often responsible for the interior of the unit, personal belongings, and liability. Southern Exposure Insurance Group, LLC can help you select condo insurance that aligns with your association requirements and your personal coverage needs.
Coverage Options for Condo Insurance
Condo insurance coverage often includes:
- Dwelling / Unit Interior Coverage: Helps cover interior improvements and portions of your unit that you’re responsible for (often called “walls-in” coverage).
- Personal Property Coverage: Helps protect your belongings inside the condo from covered losses like theft or certain types of damage.
- Personal Liability Coverage: Helps cover costs if you’re found responsible for injury or property damage to others.
- Loss Assessment Coverage: Helps if the condo association assesses unit owners for certain covered losses (subject to policy terms and limits).
- Loss of Use / Additional Living Expenses (ALE): Helps with temporary housing and related expenses if your unit is unlivable due to a covered loss.
- Optional Coverages: Depending on the carrier, options may include water backup, scheduled personal property for valuables, and other endorsements.
Contact Us for Condo Insurance
Whether you’re purchasing a condo, updating coverage, or reviewing your association’s requirements, Southern Exposure Insurance Group, LLC is here to help you find the right HO-6 policy.
