Your Condo. Your Coverage. Your Peace of Mind.

An HO-6 is a type of insurance policy commonly used for condominium unit owners. Depending on the policy, it can provide coverage for certain parts of your unit, Personal Property, Personal Liability, Loss of Use and other eligible exposures. You don’t need to know the policy form before calling us. Tell your Sky-Agent® you own a condo. We’ll take it from there.

Your condominium association generally carries insurance for property owned or maintained by the association, such as common areas and certain portions of the building. But the association’s insurance isn’t a replacement for your own Condo Insurance. Your individual policy can provide protection for your belongings, personal liability, Loss of Use and certain parts of your unit you’re responsible for, depending on the policy and circumstances.

Coverage may be available for eligible improvements and upgrades you’re responsible for inside your condo, subject to the policy’s terms and limits. If you’ve renovated the kitchen, installed new flooring, upgraded cabinets or made other significant improvements, tell your Sky-Agent® so those features can be considered when shopping your coverage.

Sometimes a condominium association may assess individual unit owners for their share of certain covered losses or expenses involving commonly owned property. Loss Assessment coverage can help with certain eligible assessments resulting from a covered loss, subject to the policy’s terms, limits and exclusions. Not every HOA assessment or special assessment is covered. Your Sky-Agent® can help explain the coverage available to you.

It can, depending on what caused the damage. Condo Insurance may cover certain sudden and accidental water losses when the cause is covered by the policy. Coverage can vary substantially depending on the source of the water and circumstances of the loss. Flooding from rising surface water, for example, generally requires separate Flood Insurance rather than standard Condo Insurance. If water protection is important to you, ask your Sky-Agent® about available coverage and exclusions.

Personal Property coverage can help protect furniture, clothing, electronics and other belongings against covered losses, subject to policy terms, limits and deductibles. Certain categories of valuable property may have special limits, so tell your Sky-Agent® about jewelry, collectibles or other higher-value belongings.

There isn’t one answer that fits every condo owner. Consider the value of your belongings, improvements you’ve made inside the unit, the liability protection you want and the other coverage available under the policy. Your Sky-Agent® can explain available limits and options so you can make an informed decision.

Yes. Many insurance companies offer multi-policy discounts when eligible Condo and Auto policies are written together. But the biggest bundle discount doesn’t automatically mean the lowest total insurance cost or best overall protection. Don’t Just Bundle. Shop the Bundle.™ Your Sky-Agent® can compare available options and help you look at the total insurance picture.

Tell your Sky-Agent® that the condo is tenant-occupied. A condo you live in yourself and a condo you own as a rental property can have different insurance needs and underwriting requirements. We’ll help you shop coverage appropriate for how the property is actually used.

SkyBlue is licensed nationwide. Available insurance companies and products vary by state and individual property, but a Sky-Agent® can help shop the Condo Insurance options available to you.