Personal / Condo

Michigan Condo Insurance (HO-6)

Your condo association's master policy stops at the walls — everything inside is on you. A condo (HO-6) policy covers your interior, your belongings, your liability, and the special assessments an association can pass along after a big loss.

What we do for condo insurance clients

• Fill the master-policy gap — we read how your association's master policy is written and cover exactly what it leaves to you — walls-in, fixtures, and improvements.
• Loss-assessment coverage — protection when the association bills owners for a shortfall after a covered loss.
• Belongings and liability — your personal property and personal liability, at home and away.
• Bundle and shop — we pair condo with auto where it saves and compare carriers for the best rate.

Who needs condo insurance

Condominium and co-op owners, and many townhouse owners in associations. If you own your unit and an association maintains the building exterior, you need an HO-6 policy for everything the master policy doesn't cover.

What condo (HO-6) covers

• Interior / walls-in — drywall, flooring, cabinets, fixtures, and your improvements.
• Personal property — furniture, electronics, and belongings.
• Personal liability — injuries to others or damage you cause.
• Loss assessment — your share of an association assessment after a covered loss.
• Loss of use — living costs if your unit becomes uninhabitable.

Common questions

What does condo insurance (HO-6) cover?

It covers the parts of your condo the association's master policy doesn't: your interior finishes and improvements, your personal belongings, your personal liability, loss assessments, and living expenses if your unit is uninhabitable after a covered loss.

What's the difference between the master policy and my condo policy?

The association's master policy typically covers the building structure and common areas — often only up to the unfinished walls. Your HO-6 policy covers everything from the walls in: finishes, fixtures, belongings, and your liability. We coordinate the two so there's no gap.

What is loss-assessment coverage?

If a covered loss exceeds the association's master policy, the association can assess every owner for the shortfall. Loss-assessment coverage on your HO-6 pays your share — an important protection that's inexpensive to add.

How much does condo insurance cost in Michigan?

Often less than a homeowners policy since you're not insuring the whole building — commonly a few hundred dollars a year depending on your unit, belongings, and limits. We shop carriers to find your best rate.