Dwelling / Interior Structure
Protects your unit’s interior—walls, floors, fixtures, built-ins—against covered perils.
Condo Homeowners Insurance (HO-6)
Protect your unit, your belongings, and your peace of mind
We serve families & businesses in
GA
AL
AZ
FL
IL
LA
MD
MI
MS
MO
NJ
NY
NC
OH
SC
TN
TX
VA
Why Condo Insurance Matters
Why Your HOA Insurance Isn’t Enough
HOA master policies cover only common areas and exterior walls.
Your personal belongings, interior walls, flooring, and liability aren’t covered.
That’s where HO-6 Condo Insurance comes in.
Condo (HO-6) Coverage and Ad-Ons Options
Standard condo insurance typically includes:
Condo protection, demystified—your must-haves up front, extras on tap when life gets “plot twist.”
Personal Property
Covers your belongings at home and usually off-premises too.
Liability Protection
Helps with legal costs and payouts if you’re responsible for injury or property damage.
Medical Payments to Others
Pays small medical bills for guests injured in your unit, regardless of fault.
Loss of Use
Covers hotel, meals, and living expenses if a covered loss makes your condo unlivable.
Loss Assessment
Helps pay your share of HOA special assessments from covered building/liability losses.
Building Property
Covers upgrades you’ve added—custom cabinets, counters, flooring, built-ins.
Optional Coverages
Click to reveal add-ons for common condo gaps.
▾
Optional Coverages
Click to reveal add-ons for common condo gaps.
Water Backup
Helps with damage from sewer/sump backups.
Earthquake
Coverage for quake damage, excluded from standard policies.
Flood
Flood insurance via NFIP or private carriers.
Scheduled Property
Extra protection for jewelry, art, collectibles.
Identity Theft
Support and expense coverage if your identity is stolen.
Umbrella
Additional liability limits above your condo policy.
Tap any card to see what it covers. We’ll help coordinate with your HOA’s master policy so you’re not over or under-insured.
Dwelling / Interior Structure Coverage
“Walls-in” coverage for drywall, cabinets, fixtures & flooring you own.
Click to see details
- Covers unit-owned interior finishes: walls, ceilings, flooring, built-ins, and fixtures.
- Coordinates with the HOA master policy (all-in vs. bare-walls).
- Protects against covered perils like fire, smoke, and burst pipes.
- Set limits based on replacement cost of your interior.
- Often required by lenders for mortgaged condos.
Personal Property Coverage
Covers your stuff: furniture, clothes, electronics, at home or away.
Click to see details
- Replacement cost available for newer, higher-value belongings.
- Coverage follows you when traveling or items are in storage (limits apply).
- Sub-limits exist for items like jewelry, watches, and firearms—schedule if needed.
- Deductible applies per claim; inventory lists help speed up claims.
Liability Protection
If someone claims you injured them or damaged property, you’re covered (up to limits).
Click to see details
- Pays legal defense, settlements, and judgments for covered incidents.
- Applies on and off premises (e.g., dog bite at the park, breed rules may apply).
- Choose higher limits if you have assets to protect.
- Pairs well with an umbrella for extra protection.
Medical Payments to Others
No-fault help for guests’ minor injuries in your unit or immediately around it.
Click to see details
- Pays small medical bills without needing to prove fault.
- Goodwill coverage that can prevent larger liability claims.
- Common limits: $1,000–$5,000; higher options available.
Loss of Use (Additional Living Expenses)
Pays for hotel, meals & extra costs if a covered loss makes your place unlivable.
Click to see details
- Covers temporary housing, increased food costs, laundry, and more.
- Subject to time or dollar limits—choose enough to fit the local market.
- Applies only when the cause is a covered loss.
Loss Assessment Coverage
Helps pay your share when the HOA assesses unit owners after a covered loss.
Click to see details
- Responds to covered property or liability losses to shared areas.
- Can help with the HOA master policy deductible—check your form and limits.
- Pick limits that reflect your building’s master policy and deductibles.
Building Property Coverage (Betterments & Improvements)
Protects upgrades you made—custom floors, counters, built-ins—beyond original specs.
Click to see details
- Extends limits for upgrades the master policy won’t replace “like-for-like.”
- Ideal after renovations or premium finish upgrades.
- Coordinate values with receipts or contractor quotes.
Water Backup Coverage (optional)
Adds protection for damage from backed-up drains or sump overflows (not flood).
Click to see details
- Helps pay cleanup and repairs from sewer/drain backups or sump overflows.
- Standard condo policies usually exclude this, endorse to add it.
- Choose limits based on your floor level and plumbing exposure.
Earthquake Insurance (optional)
Separate policy/endorsement for quake damage typically excluded by standard forms.
Click to see details
- Protects interior finishes and belongings; building shell is usually HOA’s responsibility.
- Deductibles often a % of Coverage A, review carefully.
- Recommended in seismic regions or older buildings.
Flood Insurance (optional)
Covers rising water (storm surge, rivers) not covered by standard condo policies.
Click to see details
- Available via NFIP or private markets; condo unit coverage available.
- Consider contents and improvements coverage for “walls-in.”
- Often required in high-risk flood zones.
Scheduled Personal Property Coverage (optional)
Extra limits + broader causes of loss for jewelry, art, collectibles, and more.
Click to see details
- Itemize valuables with appraisals/receipts for higher limits.
- Often includes mysterious disappearance and $0 deductible options.
- Worldwide coverage—perfect for travelers.
Identity Theft Protection (optional)
Covers recovery costs from ID theft, cyber fraud, and data restoration.
Click to see details
- Can include credit monitoring, legal help, and lost wages reimbursement.
- Protection for cyber extortion and unauthorized transfers (varies by carrier).
- Affordable add-on that pairs well with online banking/smart-home living.
Umbrella Insurance (optional)
Extra $1M+ liability layer above your condo/auto to cover big claims.
Click to see details
- Extends liability beyond condo and auto policy limits.
- Good fit if you have assets, rentals, a pet, or host frequently.
- Usually requires certain minimum underlying limits—ask us to check yours.
Bundle & Save
We reward loyalty with bundle discounts that make managing your insurance easier and more affordable
Condo + Auto Insurance
Bundle your condo and car policies to simplify protection and unlock big savings.
Condo + Home Insurance
Own multiple properties? Protect your condo and house together under one affordable plan.
Condo + Umbrella Coverage
Add an umbrella policy for extra liability protection on top of your condo insurance.
Condo + More Bundles
Ask about pairing condo insurance with renters, motorcycle, or even life coverage for a full protection package.
Protect Your Condo, Protect Your Lifestyle
Don’t leave gaps in your coverage. OnePoint makes condo insurance easy, affordable, and reliable.
Why OnePoint Insurance Agency
The OnePoint Advantage
Personalized Coverage – Tailored to your condo & lifestyle
Affordable Options – Plans that fit your budget
Trusted Advisors – Real agents, not just algorithms
Popular Endorsements & Add-Ons
Different carriers offer these under various names, but these optional coverages enhance your protection:
Water Backup/Sump Pump Overflow
Covers damage from water backing up into your home via sewers or drains.
Service Line Coverage
Protects underground pipes and wiring (sewer, water, electric) from damage
Equipment Breakdown Coverage
Pays for repair/replacement of appliances, HVAC, or electrical systems from mechanical failure.
Ordinance or Law Coverage
Covers the cost of upgrading your home to current codes during repairs.
Extended or Guaranteed Replacement Cost
Increases dwelling limits above policy limits if rebuilding costs exceed expectations.
Scheduled Personal Property
Extra protection for high-value items: jewelry, watches, art, collectibles, firearms.
Home Cyber Protection
Covers identity theft, cyberattacks, and online fraud incidents
Inflation Guard
Automatically increases your dwelling coverage annually to match inflation.
Loss Assessment Coverage (HOAs)
Covers your share of a loss assessed by a homeowners association.
Pet Liability
Adds or increases liability coverage for damage/injury caused by pets.
Business Property Coverage
Expands limits for business equipment stored or used in your home.
Short-Term Rental Endorsement
Covers damages and liability during Airbnb or Vrbo stays
Flood Insurance (NFIP or Private Market)
Covers losses from rising water or storm surge NOT in a standard policy.
Earthquake Insurance
Available in seismic zones; protects against quake damage
Not Sure What You Need?
Every home is different and every homeowner’s needs are unique. Our advisors are ready to review your existing policy, uncover gaps, and recommend the right endorsements based on your:
Home’s age and construction
Value of personal property
Risk of flood, earthquake, or wildfire
Usage (primary, secondary, rental)
Lifestyle and liability risks
How It Works
Condo Insurance Made Simple
Three quick steps. Total peace of mind.
-
Request a Free Quote
Answer a few simple questions
-
Review Personalized Coverage Options
See protection tailored to your condo
-
Get Protected in Minutes
Lock in coverage and live worry-free
What Affects Your Premium?
We believe in transparency. These are some of the top factors that can impact your insurance rate:
Location and ZIP code
Age and Construction of your home
Claims History
Credit History (In some State)
Want to see your personalized rate? Just answer a few quick questions.
Types of Homes We Cover
Featured Carriers We Trust
ABOUT OUR INSURANCE
We’ll Ensure You Always Get the Best Guidance
OnePoint Insurance Resources Find answers to your insurance questions, insights into current trends,
and tools for navigating life in our resource center.
Business Insurance
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Health Insurance
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Auto Insurance
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Home Insurance
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Client Tools
Real PEOPLE FEEDBACKS
Trusted by Clients – Delivering Excellence and Reliability Across Borders.
Frequently Asked Questions
Do I need homeowners insurance if I own my home outright?
Yes! While your lender may not require it anymore, protecting your home and assets is always smart.
How quickly can I get a policy?
Most policies can be activated same-day even within hours.
Can I insure my rental or vacation home
Yes! We offer landlord policies and second home coverage
OnePoint Insurance Resources
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
770 884 8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
COMPANY
CLIENT TOOL
CONTACT INFORMATION
555 NorthPoint Center E, Alpharetta, GA 30022
Servicing Families and Business in:
Copyright 2025. OnePoint Insurance Agency. All Rights Reserved.