Condo insurance · New Jersey
Your unit is yours. Your HOA policy only goes so far.
A condo sits between a house and an apartment, and so does its insurance. The association’s master policy covers the building, but your walls-in improvements, belongings and liability need their own HO-6 policy. We read the master policy language and build the coverage that fills the gaps.
CondoWhat it covers
What an HO-6 condo policy can cover
Your unit owner policy picks up exactly where the master policy stops.
Walls-in coverage
Cabinets, flooring, countertops, bathroom fixtures and any upgrades you made inside your unit. How much you need depends on what the master policy leaves to you.
Personal property
Furniture, electronics, clothes and everything else you own inside the unit, protected against theft, fire, smoke, water damage and more.
Personal liability
If someone is hurt inside your unit or you cause damage to another unit, for example a leak that reaches your downstairs neighbor, liability responds.
Loss of use
If a covered loss makes your unit unlivable, the policy can pay for temporary housing and extra living expenses while it is repaired.
Loss assessment
When the association charges every owner a share of a big covered loss or a master policy deductible, this coverage can pay your portion. It is small money for real protection.
Medical payments to others
Covers minor medical bills for guests injured in your unit, regardless of fault, keeping small incidents from becoming larger disputes.
Claims
When a claim hits, we move.
One number to call, one team that follows it to the check.
Get my free quote- 01
Tell us what happened
One call or a short note with photos. We log the details and open the claim with your carrier the same day.
- 02
We file it for you
Estimates, forms and documents go through us. You sign, we submit, and we keep copies of everything.
- 03
We follow it to payment
We stay on the adjuster until the check is right. If something looks off, we push back with you.
New Jersey notes
Condo ownership in New Jersey
The details that decide how your HO-6 should be built.
Master policies are not all the same
Some associations insure the unit to its original finishes, others only to bare walls and leave everything inside to you. The difference can be tens of thousands of dollars of walls-in coverage. We ask for the master policy declarations and bylaws so nothing is guessed.
Loss assessment is real in NJ
Shared roofs, siding, pools and parking decks get damaged, and associations can bill each owner a share after a covered loss. A loss assessment endorsement is inexpensive and worth having.
Shore condos face extra exposures
If your unit is near the coast, wind and flood deserve a closer look. Standard condo policies exclude flood, and some coastal policies carry separate wind or hurricane deductibles.
Renting your unit changes the policy
An HO-6 is for an owner-occupied or seasonal unit. If you rent your condo to a tenant, you need landlord-style coverage instead. Tell us how the unit is used and we will match the policy to it.
Who it is for
Built for NJ condo owners
From a first purchase to a shore getaway, the structure is the same.
Get my free quote- Buying your first condo and needing insurance to close
- A renovation that added value the master policy will never cover
- Downsizing from a house and keeping high-value belongings
- A seasonal or shore condo that sits empty part of the year
- An association letter announcing a new deductible or assessment
- Bundling condo and auto policies with the same carrier to save
Questions
Condo insurance questions we hear every week
What does the HOA master policy cover versus mine?
It depends on the association. In broad terms the master policy covers the building structure and common areas; your HO-6 covers what is inside your walls, your belongings, your liability and your share of assessments. The only way to know the exact line is to read the master policy, which we will do with you.
How much walls-in coverage do I need?
Enough to rebuild the interior of your unit: flooring, cabinets, counters, bathrooms, fixtures and your upgrades. We estimate it from the master policy type and your finishes so you are neither bare nor overpaying.
What is loss assessment coverage?
If the association suffers a covered loss, like major roof damage, and bills each owner a portion, loss assessment coverage can pay your share, including your part of the association’s deductible when the policy allows. It usually costs very little to add.
Is flood covered under my condo policy?
No, flood is excluded from standard condo policies just like homeowners and renters policies. For ground-level and coastal NJ units, a separate flood policy for your contents and walls-in items is worth discussing.
I rent out my condo. Is HO-6 still right?
No. Once a tenant lives there, you need a landlord policy instead, and your tenant should carry their own renters insurance. We can set up both sides correctly.