Glossary

HO-6 (unit-owners form)

The condo owner's policy: it covers belongings, the parts of the unit the association's policy leaves to you, loss assessments, liability and loss of use.

Also called: HO 00 06, HO6, condo insurance, condominium policy

HO-6 (ISO HO 00 06) is the unit-owners form for condominium owners and some co-op shareholders. The association's master policy insures the building; the HO-6 fills in what that policy leaves to you. Coverage A (dwelling) is a modest limit for the elements you are responsible for, such as cabinets, flooring, fixtures and improvements, and how much you need depends on how the master policy is written. Coverage C insures belongings, D loss of use, E liability and F medical payments. On the standard form, Coverages A and C are named-perils coverage unless you upgrade.

The number to check is the association's wording. A master policy that covers only bare walls leaves you responsible for everything inside; one that is "all-in" covers more. Ask the association for the master policy and bylaws before choosing Coverage A.

The other item is loss assessment. When the association faces an uninsured loss or a big deductible, it can bill owners, and the standard ISO form includes only $1,000 of loss assessment coverage by default. Many owners raise it. See HO-6 condo insurance explained: what it covers and how much you need and condo master policies: what the association covers and what you cover.

Last reviewed October 10, 2026

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Related terms

Master policy The property and liability policy a condominium or homeowners association buys for the shared structure and common areas, paid for through dues. Loss assessment coverage Coverage for your share of a bill that a condo or homeowners association charges owners after a covered loss that its own insurance does not fully pay. Walls-in coverage Condo unit-owner coverage for everything from the interior wall surfaces inward, which is the part of the unit the association's master policy does not insure. Bare walls coverage A condo master policy type that insures only the structure and common areas, leaving everything from the interior surfaces inward to the unit owner. Homeowners association (HOA) An organization that enforces rules and maintains shared property in a subdivision, condominium or planned community, funded by dues from the owners. Personal property (Coverage C) Coverage for the movable things you own, such as furniture, clothing, electronics and tools, whether they are at home or elsewhere in the world.

Related guides

Co-op apartment insurance Co-op shareholders insure improvements, belongings and liability, usually on an HO-6, while the corporation insures the building. Your lease sets the line. Condo master policies: what the association covers and what you cover How bare-walls, all-in and in-between master policies divide a condo between association and owner, who pays the master deductible, and what to ask for. Fannie Mae and Freddie Mac homeowners insurance requirements What Fannie Mae and Freddie Mac require in a homeowners policy after the March 2026 changes: replacement cost basis, the 5% deductible cap and insurer ratings. HO-6 condo insurance explained: what it covers and how much you need What the HO-6 unit-owners form covers, how it fits with the association's master policy, how to size dwelling and loss assessment limits, and lender rules. HOA insurance requirements for owners: what you must carry What a homeowners or condo association insures, what its documents and your lender can require you to carry, and how to prove compliance and avoid fines. Homeowners policy types: HO-1 through HO-8 explained What each HO form covers, who can buy it, how many policies use it, and how to find the form on your own declarations page.

Related tools

Which homeowners policy form fits your home? Answer a few questions about who owns the home, what kind it is and how it is used, and see which standard policy form usually fits and why.