Condo Insurance
Condo insurance (an HO-6 policy) covers your unit where your condo association insurance stops.
- 24+ carriers
- Norman, OK
- No obligation
What Is Condo Insurance?
The association's master policy usually covers the building and the common areas. Your by-laws decide where its coverage stops, and very often that's at the drywall, so the floors, cabinets, fixtures and finishes inside your unit are yours to insure. An HO-6 condo policy covers that interior, your belongings and your liability. Bring us a copy of your by-laws and we'll read them with you so you know exactly what's yours before there's a claim.
Why Condo Insurance Matters
The gap between the association's master policy and your responsibility is exactly where condo owners get burned — a kitchen fire or a burst pipe can mean tens of thousands in interior damage the association won't touch. Loss assessment coverage also matters: when a big claim hits the association itself, unit owners can be billed for their share.
Who Needs Condo Insurance?
Every condo owner in Oklahoma, and some townhome owners who don't realize it. Some townhomes are set up like condos and need an HO-6 rather than a homeowners policy. If you're not sure which one your association calls for, send us the by-laws and we'll tell you.
Coverage Highlights
- Interior unit coverage — floors, walls, cabinets, fixtures
- Personal property protection
- Loss assessment coverage for association claims
- Personal liability coverage
- Loss of use if your unit is uninhabitable
- Guidance on reading association by-laws and the master policy
Here in Oklahoma
Local Considerations
Central Oklahoma's storm exposure hits condo associations hard — NOAA's Storm Prediction Center counted 369 major hail events (1-inch+) in Oklahoma in 2025, 3rd most of any state — and big roof claims on association buildings are how surprise loss assessments happen. We review your master policy alongside your HO-6 so your deductible and loss assessment limits actually line up with your association's coverage.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 24+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Condo Insurance Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Condo Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.