06/03/2026
💡 Condo or townhome? Your HOA only insures the outside. You need your own policy (an HO‑6) to protect the inside of your unit.
Look for Loss Assessment Coverage, it can help if the HOA charges a surprise special assessment after a covered loss.
Some HO‑6 policies include Loss Assessment Coverage, which can help pay your share if the HOA issues a special assessment after a covered event (like storm damage or major repairs).
Ready to be a homeowner (including making smart choices to protect your investment)? Reach out for more information!