2026 Calculator
Condo Insurance Calculator
Estimate your HO-6 condo insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What does condo insurance (HO-6) cover?
HO-6 covers your unit's interior (walls-in), personal belongings, and liability. Your HOA's master policy covers the building exterior and common areas. You're responsible for interior finishes, fixtures, and your possessions.
How much does condo insurance cost in 2026?
Condo insurance costs $300-$700 per year on average. Costs depend on unit value, location, and coverage limits. It's cheaper than homeowners insurance because your HOA covers the building structure.
Do I need condo insurance if my HOA has a master policy?
Yes. The HOA master policy covers the building structure and common areas only. You need HO-6 coverage for your unit's interior, personal property, and personal liability. Mortgage lenders also require it.