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Condo Insurance in California

Condo Insurance California
Condo Insurance California

What is it?

Condo insurance can provide coverage for the contents of your condo.
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Who needs it?

Most California condominium owners should consider purchasing condominium insurance.
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Structural CoveragePersonal Property CoveragePersonal Liability CoverageLoss Assessment Coverage
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What is Condo Insurance?

Condominium owners have unique insurance needs, for their risk exposure is both similar to and different from that of single-family homeowners. Condo insurance is specifically adapted for California residents who have condominiums.

Condo owners’ coverage needs depend partly on what protections their condo association’s insurance policy provides. Purchasing duplicate coverage isn’t ideal, but neither is leaving coverage gaps in place. To make sure that a chosen condo insurance policy matches an association’s policy well, condo owners should work with a knowledgeable insurance broker when shopping for coverage. Someone who specializes in these policies will know how to check for both duplicate coverages and coverage gaps.

Condo Insurance California

Who in California should have Condominium Insurance?

Most California condominium owners should consider purchasing condominium insurance. This includes in-state and out-of-state residents who have a condo, and people who use a condo as their primary or a secondary residence.

In many cases, condominium insurance isn’t just suggested but is required. Banks commonly require condo owners who have mortgages to carry a minimum amount of coverage, and condo associations sometimes have insurance requirements.

Condo Insurance California

Do Condominium Policies cover valuable belongings?

Most condominium policies provide some coverage for valuable belongings under personal property coverage, but the limits on claims related to valuable belongings can be lower. Many policies have lower limits for items such as collectibles, firearms, jewelry and electronics.

When a condominium policy’s standard protections don’t fully cover specific valuable belongings, additional coverage may be procured through an optional coverage, item-specific endorsement or altogether different policy. An insurance broker who specializes in condominium policies can help sort through these options and help determine which option makes the most sense in a particular situation.

What does HO-6 Condominium Policy mean?

Within the insurance industry, condominium policies are commonly considered a subset of homeowners policies and thus abbreviated with “HO-.” There are a few such abbreviations for condominium policies:

  • HO-6: Usually a fairly standard condo policy
  • HO-32: Usually a more robust condo policy
  • HO-33: Usually a policy for leased condos
  • HO-35: Usually used for loss assessment coverage

How can California Condominium Owners get Condo Insurance?

For help insuring a condominium in California, contact the independent insurance brokers at Heffernan Walton Insurance. Our brokers will help you find a condo insurance policy that meets your needs well, and we can recommend the best policies regardless of what insurance company offers them.

About Us

Heffernan Walton Insurance Services is an independent insurance agency with two offices in San Jose.

Give us a call, stop by, or request a quote online to find out how much we can save you on your insurance.


Heffernan Walton Office

1731 Technology Drive, Suite 250
San Jose, California 95110

© 2023 Walton & Associates Insurance | This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

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