Get the protection you need for your apartment or condo
The association covers the shell; HO-6 covers your interior.
The master policy typically insures common elements and, depending on the bylaws, some of the unit. Your HO-6 is the walls-in policy for what the master does not pick up. Read the bylaws before you guess the dwelling limit.
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The base condo policy is the printed form. An endorsement is a taped-on change — adding coverage, taking it away, or renaming who is insured. Optional coverages ride along with the policy. Separate policies sit beside it.
Form names and availability vary by carrier. This is a map of add-ons we commonly shop in Illinois — not a promise that every company offers every item.
Base policy
Condo policy
Hover an add-on to read it, then click to pin it here — a review list for your next conversation with an advisor.
Send this list to an advisor →We’ll open the contact form for this coverage so an advisor can help you decide which add-ons belong on the policy.
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We will match your HO-6 to the bylaws: dwelling coverage (often walls-in), loss assessment, liability, and additional living expenses if a covered peril makes the unit unlivable.
Your condo association's insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also will not cover your personal possessions. Condo insurance is designed to make up for this shortfall. It is a mixture of the better-known landlord insurance and renters insurance but is specially designed for your particular condo.
Condo insurance covers your personal belongings inside your condo unit. That means everything from your appliances to your clothes will be covered in the event of a loss. Without it, you would have to replace your lost or damaged possessions out-of-pocket. Condo insurance also covers damage caused by theft, fire, severe wind, lightning strikes, and frozen pipes. It is important to note, however, that condo insurance does not usually cover flooding.
In addition to property coverage, condo policies may also include liability coverage. For example, if a guest is injured in your condo, it will pay for their medical expenses. It can also cover you in the case of a lawsuit if you are responsible for damages to another condo property. Living expenses may also be covered if there is damage to your condo unit that renders it unlivable.
It can be confusing to figure out exactly what coverage you need for your condo unit, so we will work with you to find the condo insurance policy that is right for you. On top of that, we can show you just how inexpensive condo insurance is in comparison to the potential costs of replacing your personal belongings out-of-pocket.
We make the process straightforward and simple, going over what your condo association does not cover and how your policy can fill in the gaps. Reach out to our team when you are ready to review options. to discuss your condo insurance options.
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The same condo policy add-ons from the explorer above, listed out. Form names and availability vary by carrier.
Optional coverage
Hotel and extra costs if a covered loss makes the unit unlivable.
If a fire or other covered peril shuts your unit, additional living expenses can pay a hotel and extra costs while you cannot stay. The master may cover the building; it does not automatically house you. Limits and time caps still apply.
Separate policy
Rising water is typically excluded from the HO-6.
Flood from surface water, a river, or storm runoff is usually excluded. Units near a creek, a low garage, or a first-floor patio still need a separate flood policy. Sewer backup is a different endorsement.
Learn more →Endorsement
Your share when the association bills owners after a building claim.
If a covered building loss exceeds the master — or the HOA deductible is large — the board can assess unit owners. Loss assessment on the HO-6 is how that bill is meant to be handled. Association-deductible assessments may need their own limit. We read the bylaws with the declarations page.
Endorsement
Libel, slander, and some invasion-of-privacy claims.
Some condo forms add personal injury by endorsement — alleged slander in a board dispute or an association group thread. It is not the same as guest medical payments. We add it when the bylaws and the building’s politics make it relevant.
Separate policy
Extra liability over the HO-6 after a severe guest claim.
A serious injury in the unit can exceed the condo liability limit. An umbrella sits over the HO-6 — and usually over auto. Illinois jury awards make this a practical layer for many western-suburbs owners.
Learn more →Endorsement
Pays to replace belongings at today’s price, not depreciated value.
Many condo forms start at actual cash value on personal property. A replacement-cost endorsement can pay what it costs to replace a sofa or TV now, minus the deductible. That is the difference after a unit fire.
Endorsement
Lists jewelry, bikes, or instruments at agreed amounts.
Unscheduled contents usually cap jewelry and similar items. Scheduling an appraisal or invoice can raise those limits. Bring receipts. This is the same idea as a homeowners schedule, written on the HO-6.
Endorsement
Water up through drains — especially garden-level units.
Sewer and drain backup is often excluded until you add an endorsement. Garden-level and first-floor Chicagoland condos see this after a storm. It is not flood from a rising body of water.
Learn more →Optional coverage
Walls-in coverage for interiors the master does not pick up.
Coverage A on an HO-6 is not a house dwelling limit. It is walls-in: improvements, betterments, and whatever the bylaws leave to you. Bare-walls associations leave almost the entire interior on this line. We set it from the master and the remodel, not from a renters quote.
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