If you own a condo and rent it out to tenants, a standard HO-6 condo policy isn’t the right fit — that coverage is built for owner-occupied units. What you need is a rental condo policy (sometimes called a condo landlord policy or DP-3), designed specifically for owners who lease their unit to someone else.
What Does Rental Condo Insurance Cover?
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Interior/unit coverage — protects walls, flooring, cabinets, and fixtures inside your unit that fall outside your HOA’s master policy
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Liability protection — helps cover costs if a tenant or guest is injured in your unit
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Loss of rental income — helps replace lost rent if the unit becomes uninhabitable after a covered loss
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Landlord-specific liability — covers risks tied to renting out property, which a standard condo policy typically excludes
Rental Condo Insurance vs. Owner-Occupied (HO-6) Coverage
This distinction matters. An HO-6 policy assumes you live in the unit and generally doesn’t cover landlord-specific risks like loss of rental income or liability tied to a tenant relationship. If you rent your condo out — even part-time on a short-term platform — your insurer needs to know, or you risk a denied claim.
How to Find Affordable Rental Condo Coverage
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Bundle rental condo coverage with other policies you hold with the same carrier
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Review your HOA’s master policy so you know what it covers versus what falls on you as the owner
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Ask about landlord-specific discounts where available
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Compare multiple carriers rather than assuming your current insurer offers the best fit
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Work with an independent agent who can shop several carriers for your specific situation
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 Foremost, National General, Travelers, Geico, Allstate, and Liberty Mutual — to help you find tailored, competitive rental condo coverage that fits your situation. As your needs change, we’re here to help you review your policy year after year.
We proudly serve condo owners and landlords across Westminster, Thornton, Northglenn, Arvada, Aurora, Broomfield, Commerce City, and the greater Denver metro area.
Get a Rental Condo Insurance Quote Near You
Whether you’re renting out your condo for the first time or reviewing your current landlord policy, Aloha Insurance Co is here to help make sure you’re properly covered.
📞 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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