An HO-6 policy is the standard homeowners insurance policy for condominium owners. It typically covers the interior of the unit, including flooring, cabinets, countertops, appliances, personal belongings, and any improvements or upgrades made by the owner. It also provides personal liability coverage.
The condominium association’s master insurance policy generally covers the building’s exterior, roof, and common areas, while the HO-6 policy protects the owner’s unit and belongings. Exactly where the association’s coverage ends and the owner’s responsibility begins depends on the condominium’s master policy and governing documents.