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.

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!

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Frequently asked questions

What is an HO-6 policy?
Condo insurance, also called an HO-6 policy, covers your unit where your condo association's insurance stops. The association typically insures the building structure and common areas, while you're generally responsible for the interior of your unit — floors, walls, cabinets, and fixtures.
How do I know what my association covers?
Association by-laws vary, but condo owners are usually responsible for everything from the drywall in. Getting a copy of your by-laws is a good idea so you understand your responsibilities in a claim. We can help you make sense of the fine print.
Do townhomes need condo insurance?
Sometimes. Some townhomes are insured like condos and therefore require an HO-6 policy. If you live in a townhome, it's important to confirm you have the correct type of insurance — we can help you sort that out.
How is condo insurance different from a homeowners policy?
A homeowners policy insures the whole structure because you own it; a condo policy covers only your unit's interior and belongings, since the association insures the building. We can explain the differences so your coverage matches what you actually own.

Related coverage

Homeowners Insurance

Your home is likely your most valuable asset. We help South Carolina homeowners compare real coverage — not just price — across the carriers we represent.

Flood Insurance

Homeowners insurance does not cover flood. We help Lowcountry homeowners compare NFIP and private flood policies — before the typical waiting period applies.

Ready to talk it through?

Tell us a little about what you need and one of our agents will reach out. We'll shop your coverage and come back with real options.

Request a Quote (833) 414-3040