Condo Insurance in California

Protect your condo investment with the right coverage. We compare rates from 20+ carriers to find you the best policy at the lowest price.

Real estate agents shake hands after the signing of the contract agreement is complete.

What Condo Insurance Covers

Condo insurance (also called HO-6) protects your unit, belongings, and liability as a condo owner.

Dwelling Coverage

Protects the interior of your unit including walls, floors, fixtures, and improvements you've made.

  • Interior structure
  • Built-in appliances
  • Upgrades and renovations

Personal Property

Covers your belongings inside the condo including furniture, electronics, clothing, and jewelry.

  • Furniture and electronics
  • Clothing and jewelry
  • Sports equipment

Liability Protection

Protects you if someone is injured in your condo or you accidentally cause damage to others.

  • Guest injuries
  • Property damage
  • Legal defense

Loss Assessment

Covers special assessments charged by your HOA for unexpected repairs to common areas.

  • Common area repairs
  • HOA deductible costs
  • Legal fees

Additional Living Expenses

Pays for temporary housing if your condo is uninhabitable due to a covered loss.

  • Hotel expenses
  • Meal costs
  • Storage fees

Medical Payments

Covers medical expenses for guests injured in your condo, regardless of fault.

  • No-fault coverage
  • Quick claims payment
  • Protects assets

Condo Insurance vs. HOA Master Policy

Understanding what your HOA covers and what you need to cover yourself is essential.

What HOA Master Policy Covers

  • Building exterior and structural elements
  • Common areas (lobby, pool, gym)
  • Roof and foundation
  • Shared utilities and infrastructure

What Your Condo Insurance Covers

  • Interior of your unit
  • Personal belongings
  • Liability protection
  • Loss assessments from HOA

Important: HOA policies often have deductibles that can be $10,000+. Loss assessment coverage protects you from these costs.

Protect Your Condo Today

Get a free condo insurance quote and see how much you can save. We compare rates from 20+ carriers.