Unit interiors
Review association documents to identify which interior elements are your responsibility.
PERSONAL PROTECTION
Condo (HO-6)
In a condo, the association policy and the unit owner policy have different roles. Reviewing protection starts with the association documents and the improvements inside your unit.
UNDERSTAND YOUR OPTIONS
What this insurance may address
Protection for your condo unit and belongings, coordinated with the association's master policy.
Personal property
Consider furniture, clothing, technology and items the association does not own.
Liability and loss of use
Ask about third-party claims and expenses if you cannot use the unit after a covered loss.
A situation to consider
If you replaced floors or cabinets, confirm which improvements belong under your policy and which are addressed by the association.
QUESTIONS WORTH ASKING
Start your quote with clarity.
- What does the association master policy insure?
- Which improvements and belongings are yours?
- How would a special assessment or water loss be handled?
PREPARE FOR THE CONVERSATION
Have these handy if available:
- Property address and occupancy
- Construction year and major improvements
- Current policy and renewal date
- Approximate value of belongings to protect
Our team can explain any additional information a carrier requests.
FREEDOM INSURANCE
You may also explore
PERSONAL
Flood
Specific coverage for physical flood damage, subject to the policy's definition.
Learn more ↗
PERSONAL
Jewelry & valuables
Specific protection for jewelry and valuables that may exceed home policy limits.
Learn more ↗
PERSONAL
Personal umbrella
An additional layer of liability above specified underlying personal policies.
Learn more ↗Learn more from official sourcesRead this official guide ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.