Condo Insurance in Colorado
HO-6 coverage for everything your HOA's master policy leaves to you: your walls-in, your belongings, your liability, and the assessments nobody warns you about.
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Call or text 720-984-7311 Get a free quoteYour HOA policy stops at a line. Mine starts there.
Every Colorado condo association carries a master policy, but they don't all cover the same things. The first question I ask is what yours covers, because that decides what you need.
- Bare walls. The HOA covers the structure. You cover floors, cabinets, fixtures, and upgrades.
- Single entity. The HOA covers original fixtures. You cover upgrades and belongings.
- All-in. The HOA covers most of the unit, including some improvements.
What condo insurance covers
- Unit interior. Walls-in coverage for the parts the master policy leaves to you.
- Personal property. Furniture, electronics, clothing, and more.
- Loss assessment. Your share when the HOA bills owners after a big claim or deductible.
- Liability. If someone's hurt in your unit or water from your unit damages a neighbor's.
- Loss of use. Living costs if a covered loss forces you out.
Hail and your HOA deductible
When hail hits a Colorado complex, the HOA's master policy often carries a large deductible, and the association can pass part of it to owners. Loss assessment coverage on your HO-6 helps pay your share. Ask your HOA for the master policy's deductible, then call me and we'll set your limit to match.
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Condo insurance questions
What is condo insurance?
Condo insurance, also called an HO-6 policy, covers what your HOA's master policy doesn't: the interior of your unit, your belongings, your liability, and certain assessments from the HOA.
Doesn't my HOA's insurance cover my condo?
Only part of it. Some master policies cover "bare walls" only, meaning you're responsible for floors, cabinets, fixtures, and upgrades. Others cover more. Your HOA documents tell you which, and I'll help you read them.
What is loss assessment coverage?
If a big claim exceeds the HOA's policy, or hits its deductible, the association can bill each owner. Loss assessment coverage helps pay your share. It's important in Colorado, where hail can damage a whole complex.
How much condo insurance do I need?
Enough to rebuild your unit's interior and replace your belongings, plus liability. Your HOA bylaws often set a minimum. I'll match your limits to what the master policy leaves to you.
Can I bundle condo and car insurance?
Yes, and most carriers discount both.
Cover your condo the right way.
Send me your HOA documents and I'll do the rest.
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