HO-6: Unit-owners Form

The HO-6 form, also known as condo insurance, is tailored for condominium owners. It covers personal property, interior structures (such as walls, flooring, and fixtures), and improvements within the unit against named perils. HO-6 policies also include liability protection and additional living expenses if the unit becomes uninhabitable due to a covered loss. Coverage typically excludes the building’s exterior and common areas, which are protected by the condo association's master policy.

HO-6 POLICY TYPE: Named Peril

HO-6 DWELLING COVERAGE: No Coverage

HO-6 PERSONAL PROPERTY COVERAGE: Actual Cash Value (ACV)

WHO IS THE HO-6 FORM FOR?  Owners of a condo or co-op unit will need HO-6 policy. Renters of a condo unit would get an HO-4 policy, not an HO-6.

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HO-6 POLICY COVERAGE:

• Dwelling Coverage: NO
• Other Structures Coverage: NO
• Personal Property Coverage: YES
• Additional Living Expenses (ALE): YES
• Personal Liability Coverage: YES
• Medical Payments Coverage: YES

HO-6 PERILS COVERED: 

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism and mischief
• Theft
• Volcanic eruptions
• Falling Object
• Weight of ice, snow or sleet
• Water/Steam Accidental Discharge or Overflow
• Water/Steam tearing, cracking, burning, or bulging
• Freeze: plumbing, heating, AC, fire sprinkler, appliance
• Artificially generated Electrical Current damage

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