Condo Insurance
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Call 503-863-5815 or email dorjee@dorjeeinsurance.com to get a quote
What is Condo Insurance?
Condominium insurance, officially known as an HO-6 policy, is property insurance specifically designed for condo or co-op owners. When you buy a condo, you don’t own the whole building — just your individual unit. Condo insurance protects the inside of your unit, your personal belongings, and your personal liability.
Why Condo Insurance?
- If a storm damages the building’s roof or someone slips in the main lobby, your Homeowners Association (HOA) has a master policy that covers those costs. That master policy is paid for by a portion of your regular HOA dues, but it generally only covers:
- The master policy essentially stops at your front door. If a pipe bursts under your sink and ruins your hardwood floors, or if your apartment is burglarized, the HOA’s master policy pays nothing. You buy an HO-6 policy to fill that exact coverage gap.