Condo Insurance in Annapolis & Beyond

Coverage Designed for Condo Owners

Owning a condo comes with unique insurance responsibilities — and a standard homeowners policy won’t cover them. Condo insurance, often called an HO-6 policy, is designed to protect what your condo association’s master policy does not. From waterfront condos near the marina to townhome-style communities across Annapolis and surrounding areas, we help condo owners secure coverage that fits their unit, association requirements, and lifestyle. Our team works closely with you to ensure there are no gaps between your personal policy and the condo association’s coverage.

What Does Condo Insurance Cover?

Interior Dwelling Coverage (Improvements & Betterments)

Covers the interior portions of your unit — such as flooring, cabinets, appliances, and fixtures — that may not be included in the association’s master policy. This is especially important if your association has a “studs-out” policy.

Personal Property Coverage

Protects your belongings, including furniture, clothing, electronics, and personal items, if they’re damaged or stolen due to a covered event.

Personal Liability Coverage

Provides financial protection if someone is injured inside your unit or if you accidentally cause damage to another unit. This coverage can help cover legal defense and settlement costs.

Loss Assessment Coverage

Helps pay your share of a special assessment if the condo association’s master policy isn’t sufficient after a major loss. This is a key coverage many condo owners overlook.

Loss of Use Coverage

Helps cover temporary living expenses if your unit becomes uninhabitable due to a covered claim.

Master Policy vs. Condo Owner Policy

Condo insurance works hand-in-hand with your association’s master policy — but they don’t cover the same things. The master policy usually protects common areas and the building structure, while your HO-6 policy protects your unit and personal exposure.


Example Scenario:

If a kitchen fire damages your unit, your condo insurance would typically help cover repairs to your cabinets, appliances, and interior finishes. The condo association’s insurance may cover structural elements of the building, depending on whether the policy is “studs-in” or “studs-out.”


Understanding this division of responsibility is essential — and our team helps review association bylaws and master policies to ensure your coverage aligns properly.

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Important Considerations for Annapolis Condo Owners

Condos present unique risks, especially in multi-unit buildings where claims can affect multiple owners. Below are a few key factors to consider when choosing condo insurance.

Coverage Area What It Covers Why It Matters
Interior Coverage Unit finishes and upgrades Prevents costly out-of-pocket repairs
Personal Property Belongings inside the unit Protects everyday essentials
Liability Injuries or damage to others Helps protect personal assets
Loss Assessment Shared claim costs Covers special assessments from the HOA
Water Damage Leaks between units Common cause of condo claims

Not sure how your association’s policy works? We’ll help review the details and recommend coverage that fits your situation.

Common Questions About Condo Insurance

  • What does condo insurance cover vs. HOA insurance?

    HOA insurance typically covers common areas and the building structure, while condo insurance covers your unit interior, personal belongings, liability, and loss assessments.

  • Do I need condo insurance if I’m part of an association?

    Yes — even with an HOA policy, condo owners are responsible for insuring their unit and personal exposure. Many associations require proof of an HO-6 policy.

  • What is an HO-6 policy?

    An HO-6 policy is a condo insurance policy designed specifically for condominium and townhome owners.

  • Is condo insurance required in Maryland?

    It’s often required by mortgage lenders and condo associations, even if not mandated by state law.

  • Does condo insurance cover water damage from another unit?

    It can, depending on the cause and your policy details. Proper coverage helps reduce disputes and financial strain after shared-unit incidents.