Personal Insurance
Condo / HO-6 Insurance
Provides coverage for your condo-unit and personal items that are not covered by your condo associations master policy.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Interior unit coverage for walls, floors, ceilings, and fixtures not covered by the HOA master policy
- Personal property coverage for belongings inside the unit
- Loss assessment coverage for charges passed on to unit owners when HOA losses exceed the association’s coverage
- Personal liability coverage for injury or damage you cause to others
- Loss of use coverage for temporary living expenses during repairs
- Building improvements and betterments you’ve made to the unit
Who It's For
- Condominium owners who need coverage for their unit’s interior and personal property
- Condo owners whose HOA master policy covers only the building shell or common areas
- Residents in associations with high deductibles or limited coverage that can trigger loss assessments
- Unit owners required by their HOA or mortgage lender to carry individual coverage