Nadler Insurance — Since 1927

Condo Insurance (HO-6)

Your HOA's master policy covers the building. Your HO-6 policy covers everything inside — your improvements, your belongings, and your liability. We make sure there's no gap between the two.

What Condo Insurance Covers

Interior / Walls-In Coverage

Covers improvements and fixtures inside your unit — flooring, cabinets, countertops, built-in appliances, and any upgrades you've made. Your association's master policy typically stops at the drywall.

Personal Property

Covers your belongings — furniture, electronics, clothing, and valuables. Protects your stuff whether it's in your unit, your storage locker, or even while traveling.

Liability Protection

Covers you if someone is injured inside your unit or if you accidentally cause damage to common areas or neighboring units. Also covers legal defense costs.

Loss Assessment Coverage

If your HOA's master policy has a large deductible and the association assesses unit owners to cover the gap, this coverage pays your share. Essential in earthquake-prone buildings.

Loss of Use

Pays for temporary housing and additional living expenses if your unit is uninhabitable after a covered loss — hotel, meals, and other costs until you can return.

Medical Payments

Covers minor injuries to guests in your unit, regardless of fault. Handles small medical bills quickly to help avoid lawsuits.

Why Get Condo Insurance Through Nadler?

  • Master policy review. We'll read your HOA's master policy and identify exactly where your HO-6 needs to pick up — so there's no gap and no overlap.
  • Bay Area condo expertise. We understand CC&Rs, association requirements, and the specific challenges of insuring condos in earthquake-prone buildings.
  • Multiple carrier options. We compare rates across carriers to find competitive pricing without sacrificing the coverage you need.

Frequently Asked Questions

What's the difference between HO-6 and the master policy?
Your HOA's master policy covers the building structure and common areas. Your HO-6 policy covers everything inside your unit — your improvements, personal property, liability, and loss assessments. The master policy protects the building. HO-6 protects you.
Do I need condo insurance if my HOA has insurance?
Yes. Your HOA's master policy doesn't cover your personal belongings, interior improvements, personal liability, or loss assessments. If a pipe bursts inside your unit, or a guest is injured in your home, you need your own HO-6 policy.
What is loss assessment coverage and do I need it?
If a major loss exceeds your HOA's master policy limits or deductible, the association can assess each unit owner for their share. Loss assessment coverage pays that bill. In earthquake-prone Bay Area buildings with high master policy deductibles, this coverage is critical.
Does condo insurance cover earthquake damage?
No. Standard HO-6 policies exclude earthquake damage, just like homeowners policies. You need a separate earthquake policy. The CEA offers condo-specific earthquake coverage that's often more affordable than single-family policies.
How much condo insurance do I need?
Your interior coverage should match the cost to rebuild everything from the studs in — flooring, cabinets, appliances, fixtures. Your personal property coverage should reflect what you actually own. And your loss assessment limit should reflect your building's master policy deductible. We'll help you calculate all three.

Ready to protect your condo?

Get a free HO-6 quote from a broker who knows Bay Area condos.

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