What is HO6 insurance?

HO6 insurance is condo insurance that provides liability coverage for the owner's belongings and the actual unit itself. Regular condo insurance does not cover these things.

HO6 insurance is sold as an add-on to normal condo insurance. It is often required by mortgage companies for condo owners, and covers any losses or damages to personal property, damages to any fixtures added on since coverage began, and the entire unit itself.

HO6 insurance will cover damage from smoke, vehicles, burglary, fire, hail and windstorms, among other things. It comes with deductibles that must be met before coverage takes place and it is available in almost any state.