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Condo Insurance / Unit Owners Policy (HO6)

The Condo insurance policy is designed for an individual condominium unit owner to provide property and personal liability coverage. The Unit Owners policy includes coverage for certain building items, such as interior surfaces and appliances, that are the responsibility of the unit owner and not the condominium association policy.

Additionally, the Company offers optional coverages that add to, broaden or extend the coverages for exposures not included in the basic policy forms.

Some of the optional coverages include:


  • Personal Property Replacement Cost

  • Limited Water and Sewer Back-up and Sump Discharge or Overflow

  • Limited Animal Liability

  • Scheduled Jewelry or Other Personal Property

  • Unit rented to others

  • Mechanical Breakdown

  • Personal Injury

  • Loss Assessment

  • Higher Personal Liability limits


Discounts available include:


  • Prior Insurance Discount

  • Claims Free Discount

  • Loyalty Discount

  • Burglar and Fire Alarm Discount

  • Sprinkler System Discount

  • Auto Companion Discount

  • Windstorm Protective Devices Discount

  • Occupants Over the Age of 65 Discount