Personal Insurance
Condo Insurance
An HO-6 policy covers your unit where your association's insurance stops — interior finishes, belongings, and liability. We help you read the by-laws.
See your risks on a real Lowcountry home
General education only, not a coverage determination. Full disclaimer
This Coverage Explorer is general education only and is illustrative. It describes common condo exposures and how coverage generally responds — it is not insurance advice, a quote, or a coverage determination, and it does not amend, modify, or supplement any insurance policy or your association’s master policy. Actual coverage, exclusions, deductibles, and limits are governed solely by the terms of your issued policy and your HOA documents. No coverage can be bound, changed, or confirmed through this tool. For guidance on your specific unit, speak with a licensed GSP Insurance Group producer and refer to your actual policy.
Looking for Condo Insurance in Bluffton?
GSP Insurance Group has you covered!
Condo insurance (also referred to as an HO-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas.
Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.
Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.
Condo insurance for Town-homes
It’s also important to understand that some town-homes are insured like condos, and therefore require an HO-6 policy.
If you live in a town-home, be sure that you have the correct type of insurance.
GSP Insurance Group is here to help you understand the differences between a homeowners policy and a condo policy.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!
Frequently asked questions
What is an HO-6 policy?
How do I know what my association covers?
Do townhomes need condo insurance?
How is condo insurance different from a homeowners policy?
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