Condo Insurance in California

What We Offer

Protect Your Condo the Right Way Whether you're living in a high-rise in the heart of Los Angeles or a quiet community along the coast, owning a condominium brings both convenience and unique insurance needs. At Western Insurance, we specialize in tailored condo insurance policies that protect your space, your belongings, and your peace of mind. Condominium living typically means your building is partially insured by the Homeowners Association (HOA), but that coverage doesn’t extend to your personal property or the interior of your unit. That’s where our specialized condo insurance policies come in — filling the gaps your HOA policy can’t cover.

Homeowners Insurance

What Is Condo Insurance?

Condo insurance, also known as HO-6 insurance, is a type of coverage designed specifically for condominium unit owners. It protects the interior of your unit (like walls, flooring, fixtures), your personal belongings, and includes liability protection if someone is injured inside your home.

While your HOA may have a master policy for the building’s exterior and shared spaces, it’s your responsibility to protect what’s inside your four walls.

What Does a Condo Insurance Policy Cover?

Our condo insurance policies are flexible, and coverage may include:

Interior unit coverage (walls, floors, ceilings, built-in appliances)
Personal property (furniture, electronics, clothing, and valuables)
Liability coverage (legal fees, injury costs, or property damage to others)
Loss of use (temporary living expenses if your condo becomes uninhabitable)
Loss assessment (shared costs imposed by the HOA after a covered event)

If you’re looking for homeowner insurance for a house rather than a condo, we provide comprehensive options tailored for traditional homes as well.

Who Needs Condo Insurance?

If you own your condo, you need your own insurance. Your HOA’s policy won’t cover your personal belongings or upgrades you've made inside your unit. Anyone who owns a condominium — whether it's a primary residence, vacation property, or rental — should have a customized policy.