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HO-6 Condo Insurance: Why Unit Owners Coverage Is a Must (and How to Get the Limits Right)

Relying on your HOA’s master policy can leave costly gaps. An HO-6 Unit Owners policy protects your unit’s interior finishes (including improvements & betterments), your belongings, and your liability—and it can cover loss assessments when the association bills owners after a claim. Learn how to set smart limits for dwelling and personal property, add key endorsements like water backup, and what to change if you rent your condo.