Florida insurance
HO-6 condo policy
Also called: HO-6, Condo unit policy
In short
An HO-6 is a condo unit owner's insurance policy, covering what's inside your walls. It sits alongside the association's master policy, and lenders often require it.
An HO-6 policy insures a condominium unit owner's interior — typically the walls in, fixtures, and personal property — plus liability. It complements the condo association's master policy, which covers the building and common areas.
Lenders financing a condo commonly require an HO-6 so the gap between the master policy and the unit owner's responsibility is covered. What the master policy includes varies by association, which is what determines how much HO-6 coverage you need.
In Florida, master policies and their deductibles are a live issue, so reviewing the association's coverage is part of doing condo diligence before you buy.
Related
Current as of August 2026.