Home & Property
HO-6 Policy (Condo)
The standard condo unit-owner insurance policy, covering interior improvements, personal property, and liability.
Last reviewed: May 2026 · Editorial methodology
Definition
The HO-6 is designed specifically for condominium unit owners whose association maintains a master policy for the building exterior and common areas. It covers the interior of the unit — walls-in, flooring, cabinets, and fixtures — along with personal property and personal liability. Coverage amounts must be calibrated against the condo association's master policy, which may be bare-walls-in, single-entity, or all-in. Loss assessment coverage is a critical add-on that protects unit owners when the association levies a special assessment after a shared loss exceeds master-policy limits. Florida law (F.S. §718.111) requires association master policies to cover original fixtures, so unit owners there may need less Coverage A than in other states. Most HO-6 policies also include loss-of-use coverage if the unit becomes uninhabitable.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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