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CONDO INSURANCE INFORMATION AND QUOTES
(h06 insurance / ho6 insurance) / walls in coverage

Click here for a quote or call 949-270-0609

 
 

 

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Condo Unit Owners insurance is sometimes referred to as:

  • h06 Insurance
  • ho6 Insurance
  • "Walls In Coverage"
  • Condo Insurance

 

When you see: the item is a factor in helping you save money.

 

 

 


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As an independent insurance agency, we can compare quotes from different insurance carriers to help you find a competitive rate.

Why choose us as your agent?

 

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Need help?

(949) 270-0609

 

 

  Condo Insurance, also known has ho6 insurance or walls-in coverage helps to protect condo owners in many different ways.

Condo Insurance For Landlords (ho6 tenant occupied policies)

Condominium Insurance (ho6 insurance) is for landlords is different in that it offers special coverages for those who rent out their properties to tenants.  Not all condominium insurance policies are the same and it is important to let your insurance agent know that you use your condo as a rental.  Even if you do not charge rent, but your condo is occupied by a tenant, it is crucial that you tell your agent.

Why should I buy condo insurance (ho6 policy)?

Although your condo association's (HOA's) master policy may cover the exterior and the rebuilding cost of a barebones interior of you condo unit, there is much more to protect.  As a landlord, you have the unique position of owning a home where you do not live.  Therefore, you are not there to monitor the day-to-day activities that occur. Protecting your valuable asset as well as your personal liability is key.

What if I own multiple units?

Our team can help with policies that allow for you to insure multiple locations on the same policy. Along with a potential cost savings, there may also be the options for a single deductible.
Many policies also offer the option for higher liability limits to help protect you in the event of a liability claim. While personal condo landlord policies may only offer liability limits of $500,000, we have options for higher limits ($1,000,000 or more)  as well as umbrella and excess policies.  Billing is also simplified by having a single bill for multiple units.

 

What coverages are available to landlords?

The team at Stratum Insurance Agency is here to help you by explaining the various coverages available under a condo policy.  We can also assist if you own the unit in the name of a business or have owners of a single unit, such as a group of friends. 

     Commonly seen coverages on an ho6 condo insurance quote:

  • Dwelling Coverage - to protect the interior of your condo unit (not on all policies, but highly recommended)
  • Personal Property Coverage - to protect your personal belongings and other items that may not be crucial to the reconstruction of your condo
  • Personal Liability - to protect against claims of bodily injury and property damage
  • Medical Payments

     Optional important coverages for LANDLORDS:

  • Personal Injury Coverage - to protect against libel, slander, and wrongful eviction
  • Loss of Rents / Rent Loss - to help recover lost rent while your property is non-inhabitable due to a covered loss
  • Landlord Furnishings Coverage

     Optional important coverages for all condo owners:

  • Loss Assessments Coverage
  • Special Form Coverage for your Dwelling (Special Coverage A)
  • Loss of Rents (for tenant occupied policies)
  • Animal Liability Coverage (for pet owners or those who rent to tenants with pets)
  • Backup of Sewers, Sump Pumps, and Drains
  • In Home Daycare Coverage - for those who run daycares in their homes
  • Scheduled Personal Property - to protect jewelry, instruments, and fine arts
  • Business Property Coverage

 

Condo Insurance Quotes

Stratum Insurance Agency is able to provide quotes from many different insurance carriers to help you find the right balance of price and coverage.  Being licensed in over 25 states, we can assist you with condo insurance quotes and many other types of insurance across the nation.

 

 

 

CONDO INSURANCE | H06 INSURANCE | HO6 INSURANCE | "WALLS IN COVERAGE" | CONDO UNIT OWNERS INSURANCE | CONDOMINIUM INSURANCE

   
 

NO COVERAGE IS BOUND, OFFERED, ISSUED THROUGH THIS ELECTRONIC COMMUNICATION, ALL POLICIES MUST BE UNDERWRITTEN AND APPROVED BY THE CARRIER. DO NOT CANCEL YOUR CURRENT INSURANCE.

- Discounts vary by state, policy, and carrier.  We will work to help you find the discounts that apply to you.