Condo ownership brings unique insurance needs that differ from traditional homeowners coverage. Our HO-6 condo policies protect your unit's interior, personal belongings, and liability exposure while coordinating with your association's master policy for complete protection.
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Your condo association's insurance covers common areas, but your unit's interior and belongings need separate protection. Comprehensive condo insurance includes:
Protects improvements and alterations you've made to your unit—upgraded flooring, custom cabinets, bathroom renovations, and built-in fixtures. Covers everything from the walls in that's your responsibility.
Covers your belongings including furniture, electronics, clothing, and appliances. Protection applies whether items are damaged in your unit, in storage areas, or stolen while traveling.
Covers your share of association-wide losses that exceed the master policy limits or fall under its deductible. When the association assesses unit owners for covered losses, this coverage responds.
Protects you if someone is injured in your unit or you accidentally damage someone else's property. Covers legal defense costs, medical expenses, and judgments up to your policy limits.
Pays temporary housing, meals, and increased costs when your unit becomes uninhabitable due to a covered loss. Essential coverage while repairs are completed.
Covers immediate medical expenses when guests are injured in your unit, regardless of fault. Helps prevent small injuries from becoming expensive lawsuits.
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Eastern North Carolina's beach and waterfront condos face specific risks that require careful coverage planning:
Your association's master policy covers building exteriors and common areas. We review master policies to identify exactly where association coverage ends and your HO-6 responsibility begins.
Coastal condos may need separate windstorm coverage. We determine whether wind is covered under your association's policy, your HO-6, or requires a separate Beach Plan policy for your unit.
Even upper-floor units can flood from roof damage or plumbing failures. We help condo owners secure proper flood coverage through NFIP or private markets based on building and unit specifics.
Many coastal condos are used as vacation rentals. Standard HO-6 policies may exclude or limit coverage for rental activity. We ensure your policy addresses how you actually use your property.
We review your association's master policy to identify gaps between their coverage and your needs. Understanding who covers what prevents disputes and coverage gaps when claims arise.
Determining where association responsibility ends and yours begins requires policy analysis. We ensure your HO-6 covers everything from studs-in that you're responsible for protecting.
Association assessments after major losses can reach thousands of dollars per unit. We recommend adequate loss assessment coverage based on your building's age, location, and master policy structure.
If you rent your condo seasonally or year-round, we ensure your policy addresses landlord exposures, loss of rental income, and liability from tenant activities.
As an independent agency, we compare condo policies from numerous insurers to find coverage that fits your unit, your use, and your budget.
Condo claims often involve both your HO-6 and the association's master policy. We help coordinate between policies and advocate for proper coverage determination.
Condo insurance involves coordination between your policy and your association's coverage. Our agents clarify your responsibilities and ensure complete protection. Call us at (252) 637-4173 for personalized guidance.
The master policy typically covers building structure, common areas, and sometimes original unit fixtures. Your HO-6 covers improvements you've made, your personal property, and your liability. The dividing line varies by association—we review both policies to prevent gaps.
Dwelling coverage should reflect the cost to restore your unit to its current condition, including any upgrades from the original builder specifications. Renovated kitchens, bathroom upgrades, and flooring improvements all need coverage beyond what the master policy provides.
Loss assessment covers your share of association-wide claims that exceed master policy limits or its deductible. If your building has 50 units and faces a $500,000 uninsured loss, you could be assessed $10,000. We recommend coverage based on your building's exposure.
Yes—if a neighbor's pipe bursts and damages your unit, your HO-6 policy covers your repairs and belongings. You may also have subrogation rights against the neighbor's policy, which we can help pursue.
Possibly. Your association should have flood coverage for the building, but your interior improvements and contents may need separate protection. Even upper floors can flood from roof or plumbing failures. We assess your specific situation.
Renting your condo changes your insurance needs. Standard HO-6 policies may exclude rental activity. If you rent seasonally or year-round, you need coverage that addresses landlord liability, loss of rental income, and tenant-related exposures.