Searching for “condo insurance near me” or wondering what your HOA’s master policy actually covers? You’re not the only one. Many condo owners in Westminster, Thornton, Northglenn, Arvada, Aurora, Broomfield, and Commerce City are surprised to learn that their condo association’s insurance doesn’t cover the inside of their unit or their personal belongings. That’s where condo insurance — also known as HO-6 coverage — comes in.
What Does Condo Insurance Cover?
A typical condo insurance policy includes:
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Interior/unit coverage — protects walls, flooring, cabinets, and other interior finishes that fall outside your HOA’s master policy
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Personal property coverage — covers your belongings, from furniture to electronics
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Liability protection — helps with costs if someone is injured inside your unit
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Loss assessment coverage — helps cover your share of a shared loss the HOA’s policy doesn’t fully pay
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Additional living expenses — helps with temporary housing if your unit becomes uninhabitable after a covered loss
Condo Insurance vs. Your HOA’s Master Policy
This is one of the most common questions we hear. Your condo association’s master policy generally covers the building’s exterior and shared common areas — not what’s inside your unit. If a pipe bursts and damages your flooring, or if a fire starts in your kitchen, your HOA’s policy likely won’t cover the repair or your damaged belongings. That gap is exactly what a condo insurance policy is designed to fill.
How to Find Affordable Condo Insurance
If you’re comparing condo insurance quotes, a few things can help:
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Bundle condo and auto insurance with the same carrier for potential savings
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Review your HOA’s master policy so you know exactly what it does and doesn’t cover before choosing your own limits
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Ask about discounts for security systems, claims-free history, or newer building safety features
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Compare multiple carriers rather than defaulting to whatever your lender first suggests
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Work with an independent agent who can shop several carriers for you at once
Why Work With a Local Independent Agency
Aloha Insurance Co is an independent agency based in Westminster, CO, which means we’re not limited to one insurance company. We compare options across our carrier network — including Geico, Allstate, Liberty Mutual, National General, and Foremost — to help you find tailored, competitive condo coverage that fits your unit and your budget. As your needs change, we’re here to help you review your policy year after year.
We proudly serve condo owners across Westminster, Thornton, Northglenn, Arvada, Aurora, Broomfield, Commerce City, and the greater Denver metro area.
Get a Condo Insurance Quote Near You
Whether you’re a first-time condo owner or just want a second opinion on your current policy, Aloha Insurance Co is here to help you understand what you’re covered for — and what you’re not.
📍 8753 Yates Dr Ste 200, Westminster, CO 80031
📞 303-489-0889
🌐 alohainsuranceco.com
Coverage and carrier availability vary by eligibility. Not a guaranteed quote or binding coverage. Not all products available in all states.
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