Your HOA Policy Stops at Your Front Door
Owning a condo is different from owning a house — and your insurance needs are different too. Your condo association’s master policy covers the building’s exterior and common areas, but it stops at your front door. Everything inside — your belongings, your finishes, and your liability — is your responsibility.
What Does Condo Insurance Cover?
- Personal Property — Replaces your furniture, electronics, clothing, and other belongings if they’re damaged or stolen.
- Unit Interior — Covers walls, floors, ceilings, and any permanently installed fixtures like kitchen cabinets, appliances, and bathroom fixtures — up to your policy limits. Most condo associations require unit owners to insure everything inside their unit.
- Liability — If someone is injured in your condo and you’re found responsible, liability coverage pays for medical bills and property damage claims up to your limits.
- Property Damage Liability — If you accidentally cause damage to a neighbor’s unit (a burst pipe, for example), your policy can cover the cost.
- Loss Assessment — If your HOA faces a large claim that exceeds the master policy, the costs may be passed to unit owners. Loss assessment coverage helps pay your share.
- Additional Hazards Covered — Fire, frozen pipes, vandalism, glass damage, and similar covered perils.
What’s NOT Covered
Earthquake and flood damage are generally excluded from standard condo policies and must be purchased separately — important considerations for Seattle condo owners.
Get a Free Quote
Call (206) 402-6793 or fill out the form for a customized condo insurance quote.
Frequently Asked Questions
What does condo insurance cover that my HOA policy doesn't?
Your HOA’s master policy generally covers the building structure and shared common areas, but not what is inside your unit. A condo (HO-6) policy covers your personal belongings, interior improvements and fixtures, personal liability, and often loss assessments — the gaps the master policy leaves to you.
Is condo insurance required?
Washington does not mandate condo insurance by law, but your mortgage lender and your HOA’s bylaws frequently require an HO-6 policy. We can review your HOA documents to make sure your coverage lines up with what is expected.
What is loss assessment coverage?
If your HOA has a large covered loss and passes a special assessment to unit owners, loss assessment coverage helps pay your share rather than leaving it out of pocket. It is an easy, low-cost addition that many condo owners overlook.
What is an independent insurance agent?
An independent insurance agent works with multiple insurance carriers — not just one. That means we can shop the market on your behalf and find the coverage that best fits your needs and budget, rather than being limited to a single company’s products.
How much does it cost to get a quote?
Nothing — quotes are always free and there is no obligation. Because SafeInsure is an independent agency, we shop your coverage across multiple top-rated carriers and bring you the options that fit your needs and budget. You can request a free quote online or call us at (206) 402-6793.
Do you speak Vietnamese?
Yes. SafeInsure is a woman-owned agency that serves the Seattle and Washington community in both English and Vietnamese, so you can review your coverage and ask questions in the language you are most comfortable with.