Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas.
Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.
Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.
Condo insurance for Town-homes
It’s also important to understand that some town-homes are insured like condos, and therefore require an H0-6 policy.
If you live in a town-home, be sure that you have the correct type of insurance.
Smith Carpenter Agency is here to help you understand the differences between a homeowners policy and a condo policy.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!