Condo & Townhome Insurance Built for How You Live.
Your HOA master policy may cover the building—but not what’s inside your unit. An HO-6 policy helps protect your belongings, upgrades, and peace of mind.
Often protects shared property—not everything inside your unit.
Designed to help close the interior protection gap.
Protect the life inside the walls.
Condo insurance isn’t just about a policy—it’s about protecting your upgrades, belongings, income, pets, and peace of mind.
Your HOA Covers the Building.
You Cover Everything Inside.
HOA master policies are designed to protect the structure and common areas—not your personal property, finishes, upgrades, liability, or assessments. That’s where an HO-6 policy comes in.
Interior & Upgrades
Floors, cabinets, fixtures, appliances, and more.
Personal Belongings
Furniture, electronics, clothing, and valuables.
Liability Protection
Covers accidents, injuries, and legal claims.
Loss Assessments
Protection from unexpected HOA financial assessments.
Additional Living Expenses
Pays for temporary housing if your unit is unlivable.
Optional Add-Ons
Water backup, scheduled property, and more.
HO-6 Insurance Explained
An HO-6 policy is specifically designed for condo and townhome owners. It protects the interior of your unit and everything in it.
- Required by most mortgage lenders and HOA bylaws
- Covers your personal property and interior improvements
- Liability protection if someone is injured in your unit
- Helps cover assessments your HOA may charge
- More affordable than homeowners insurance
More Coverage.
More Savings.
Bundling your condo insurance with other policies can save you money and simplify your protection.
Bundle My Policies & Save →
+Auto Insurance
Save more when you bundle auto + condo.
+Umbrella Insurance
Extra liability protection for added peace of mind.
Pet Insurance
We offer FETCH Pet Insurance exclusively.
Because They Deserve Protection Too.
E&S Insurance Group is proud to offer FETCH Pet Insurance exclusively. Help protect your pet—and your wallet—from unexpected vet bills.
Get Your Condo Insurance Quote Fast. Easy. Local.
- Quick & Easy Process
- Compare Top Carriers
- Local Advisor Support
- No Obligation. Ever.
Frequently Asked Questions
Protect What You’ve Built.
We’ll Handle the Rest.
Let our local team shop the best carriers so you get the right coverage at the right price.
- Independent Agency Advantage
- Multiple Top-Rated Carriers
- Local, Personalized Service
- Fast Certificates of Insurance