Your HOA’s master policy covers the building — but not your unit’s interior, personal belongings, or liability. An HO-6 condo insurance policy fills the gap, protecting everything from your kitchen cabinets to your legal expenses if someone is injured in your home.
An HO-6 policy includes six key coverages designed specifically for condo owners — protecting what your HOA’s master policy leaves out.
Covers your unit’s interior structure — walls, flooring, cabinets, countertops, built-in appliances, and fixtures. If a pipe bursts or fire damages your kitchen, this coverage pays to rebuild the inside of your unit.
Covers your belongings — furniture, electronics, clothing, and kitchenware — from covered perils like fire, theft, and water damage. Applies inside your condo and anywhere in the world.
Covers your share when the HOA levies a special assessment after a covered loss — like major hail damage to the roof or a liability claim that exceeds the master policy. Protects you from surprise charges of thousands of dollars.
Covers legal costs and damages if someone is injured inside your condo or if you accidentally damage another unit. Typically starts at $100,000 but can be increased for broader protection.
Covers temporary living expenses — hotel stays, meals, and additional costs — if your condo becomes uninhabitable after a covered loss. Keeps your life on track while your unit is being repaired.
Covers medical bills for guests injured inside your condo, regardless of who is at fault. A smaller coverage (typically $1,000–$5,000) that helps resolve incidents before they become liability claims.
Denver’s condo market has grown significantly in recent years, with new developments and conversions adding thousands of units across the metro area. Whether you own in a high-rise downtown, a mid-rise in Capitol Hill, or a townhome-style condo in Stapleton, your HOA’s master policy only tells half the story. The master policy typically covers the building’s exterior structure, roof, common hallways, elevators, and shared amenities. It does not cover your unit’s interior walls, flooring, cabinets, fixtures, personal belongings, or your personal liability.
This gap is where an HO-6 condo insurance policy becomes essential. Colorado HOAs can issue special assessments to unit owners when a major loss exceeds the master policy’s limits — and in a state where severe hail, wind, and winter storms are common, those assessments can reach thousands of dollars per owner. Loss assessment coverage on your HO-6 protects you from these unexpected bills. We recommend every Denver condo owner carry at least $25,000 in loss assessment coverage, with higher limits for buildings in hail-prone areas.
At Sierra Insurance Group, we start by reviewing your HOA’s master policy and CC&Rs to identify exactly what is and isn’t covered at the building level. Then we build an HO-6 policy that fills every gap — so you’re not paying for coverage you already have, and you’re not exposed to risks you didn’t know existed. Save by bundling your condo and auto insurance through our agency for multi-policy discounts.
Your HOA carries a master policy that typically covers the building’s exterior structure, common areas, and shared amenities. Your personal condo insurance (HO-6) covers everything inside your unit — interior walls, flooring, cabinets, personal belongings, liability, and loss assessments. The master policy stops at your walls; your HO-6 picks up from there.
An HO-6 condo insurance policy covers your unit’s interior structure (walls-in), personal property, personal liability, loss of use if your unit becomes uninhabitable, medical payments to others, and loss assessment coverage. It protects against perils like fire, theft, water damage, and vandalism within your unit.
Yes. Your HOA’s master policy does not cover your personal belongings, interior improvements, liability, or your share of a building-wide loss assessment. Without an HO-6 policy, you would pay out of pocket for interior damage, stolen property, or a lawsuit from an injury in your unit.
Loss assessment coverage pays your share when the HOA levies a special assessment against unit owners after a covered loss. If a major claim exceeds the master policy’s limits — like hail damage to the roof or a liability lawsuit — each owner may owe thousands. This coverage protects you from those unexpected charges.
Yes, bundling your condo and auto insurance is one of the easiest ways to save. You earn a multi-policy discount of 3% to 6% when you combine an HO-6 with an auto policy. Sierra Insurance Group shops multiple carriers to find the best bundle rate for Denver condo owners.
I started Sierra Insurance Group to help Denver families find coverage that actually fits — at a price that makes sense. We take the time to understand your situation and match you with the right protection, not just the first quote.
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