HO-6 coverage for Utah condo and townhome owners, protecting the interior of your unit, your belongings, personal liability, and loss assessment. We fill the walls-in gaps your HOA master policy leaves behind. Fast quotes from a tech-forward Utah brokerage.
Condo insurance, an HO-6 policy, protects everything your HOA master policy doesn't. While the association's policy typically covers the building's exterior, roof, and common areas, your HO-6 covers the interior of your unit (drywall, flooring, cabinets, and fixtures), your personal belongings, your personal liability, and loss assessment, your share of a covered claim charged back to unit owners by the HOA.
The key is understanding what your master policy actually covers. Many Utah associations carry a bare-walls policy that stops at the unfinished structure, leaving everything from the studs inward up to you. Others carry a walls-in policy with more interior coverage. We review your HOA's master policy and declarations so your HO-6 limits line up with the real gaps, no overlap, no dangerous shortfalls.
Condo and townhome ownership is a large share of Utah's housing, from Salt Lake City and Park City to fast-growing communities along the Wasatch Front. Mortgage lenders and HOAs frequently require an HO-6 policy with specific dwelling and loss assessment limits before they'll close or keep you in good standing. We make sure your coverage satisfies those requirements without paying for protection you don't need.
We shop your condo coverage across top-rated carriers, Safeco, Liberty Mutual, and American Modern, and look for every discount you qualify for, including savings when you bundle with auto. Coverage and pricing depend on your unit, your HOA's master policy, and the limits you choose.
Drywall, flooring, cabinets, and fixtures, the finishes your HOA policy won't cover.
Furniture, electronics, clothing, and valuables damaged, destroyed, or stolen.
Injuries or property damage you're legally responsible for, in or beyond your unit.
Your share of a covered claim the HOA charges back to all unit owners.
We shop your condo coverage across top-rated personal-lines carriers, including Safeco, Liberty Mutual, and American Modern, and look for every discount you qualify for, including savings when you bundle with auto.
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Ready to see what you'd pay? Apply online in minutes and our licensed agents will compare rates across our top-rated carriers to deliver the right dwelling and loss assessment limits, deductibles, and discounts, coverage that satisfies your lender and HOA.
We handle the quoting, paperwork, and policy setup so switching or starting new coverage is effortless.