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What homeowners insurance do I need for a condo near a college campus?

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Compare published answers by school

University of North Carolina at Charlotte

A condo usually needs two layers: the HOA’s master policy and your own HO-6 policy. The exact split depends on the condo’s master-policy type, so the first step is to read that policy or ask the HOA what it covers.

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University of Texas at Tyler

For a condo, you’re usually looking for HO-6 insurance, not a standard homeowners policy. What you need depends on what the condo association’s master policy covers, so the first step is to check that policy and your bylaws.

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University of Colorado Denver

A condo owner in Colorado typically needs HO-6 insurance, not HO-3 homeowners insurance, because the condo association’s master policy covers the building’s common areas and some shared structure. Check your association’s master policy and your lender’s rules to confirm what parts of the unit you must insure.

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Texas Woman's University

For a condo, you usually need an HO-6 condo policy for the interior, personal property, liability, and additional living expenses. The condo association’s master policy may cover the building exterior, so check the HOA documents before you buy.

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