Owning a condo in Colorado comes with a unique insurance situation that many owners don’t fully understand until something goes wrong. At Aloha Insurance Co, we help condo owners across Westminster, Thornton, Northglenn, Arvada, Broomfield, and the North Denver metro area navigate their coverage options and make sure they’re properly protected.
What Is Condo Insurance (HO-6)?
Condo insurance — also called an HO-6 policy — is designed specifically for condominium owners. Unlike a standard homeowners policy, it works alongside your condo association’s master policy to fill important coverage gaps.
What Does Your Condo Association’s Master Policy Cover?
Most (may or maynot) HOA master policies cover the building’s exterior, common areas, and shared structures. However, they typically do NOT cover:
– The interior of your individual unit
– Your personal belongings
– Your personal liability
– Improvements or upgrades you’ve made to your unit
What Does Your Personal Condo Insurance Cover?
Interior Dwelling Coverage — Covers walls, floors, ceilings, fixtures, and built-in appliances inside your unit.
Personal Property Coverage — Covers your furniture, electronics, clothing, and other belongings.
Liability Coverage — Protects you if someone is injured inside your unit or if you accidentally damage a neighbor’s unit (such as a water leak).
Loss of Use Coverage — Pays for temporary housing if your unit becomes uninhabitable due to a covered loss.
Loss Assessment Coverage (optional coverage)— Helps cover your share of costs when the HOA levies a special assessment due to a covered loss.
Why Colorado Condo Owners Need Solid Coverage
Hail, fire, water damage from frozen pipes — Colorado’s climate creates real risks for condo owners. Don’t assume your HOA has you fully covered.
Why Aloha Insurance Co?
We shop multiple carriers including Geico, Allstate, Liberty Mutual, National General, Foremost, Bristol West, American Modern, and more. Serving condo owners across Westminster, Thornton, Northglenn, Arvada, Broomfield, and the North Denver metro.
???? Call us today for a free condo insurance quote.
Disclaimer:
Coverage and carrier availability vary by eligibility. Not a guaranteed quote or binding coverage. Not all products available in all states.
