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

Our team is here to help you by explaining the various coverages available under a condo policy.  Make sure to tell us about the things that make your condo unique, such as special flooring, cabinets, or fixtures.  Stratum Insurance works with multiple condo insurance carriers to help find a great balance of price and coverage.

Common Coverages

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
  • Loss of Use Coverage – to pay for you to live somewhere else if your condo is damaged in a covered claim.
  • Personal Liability – to protect against claims of bodily injury and property damage
  • Medical Payments – usually a no fault coverage for small accidental injuries to guest
Optional important coverages to consider in purchasing condo insurance:


  • Personal Injury Coverage – to protect against libel, slander, and wrongful eviction
  • Backup of Sewers, Sump Pumps, and Drains
  • 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)
Coverages for Condo 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
  • 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

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Mon – Fri 6:00AM -7:00PM
Saturday 6:00 AM–5:00 PM
Sunday   8:00 AM–5:00 PM

Details of coverage or limits vary in some states. This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.