Condo and renters insurance for what's yours
Your landlord's or HOA's policy stops at the walls. Your belongings, your liability and your living costs after a loss are on you, and protecting them usually costs little each month.
Top-rated carriers · No cost to compare
Renters (HO-4) or condo (HO-6)
The building is insured by someone else. Your policy covers what's left.
HO-4 Renters
- Your landlord insures the building
- You insure your belongings
- Personal liability, at home or away
- Loss of use if your home becomes unlivable
HO-6 Condo
- Your HOA's master policy covers the building
- Your policy covers walls-in: flooring, cabinets, fixtures and upgrades
- Belongings and personal liability
- Loss assessment for your share of HOA shortfalls
See what your place may need
Select what applies. We'll show the coverage that typically fits. Nothing is stored or shared.
Your operation
Select everything that applies.
Coverage that typically applies
3 coverages — a starting point for a conversation, not a quote.
- Personal propertyYour belongings, at home or with you elsewhere.
- Personal liabilityLegal costs and damages if you're responsible for someone's injury or property damage.
- Loss of useHotels, meals and extra living costs while your home is repaired.
Know exactly what each coverage does
A condo or renters policy is a handful of protections in one. Some matter most to condo owners.
Personal property (Coverage C)
Furniture, electronics, clothing and kitchenware, at home or with you, from covered losses like fire, theft and many water events.
- Worth checking: most people underestimate what they own. A room-by-room tally usually lands much higher, and jewelry, art and firearms should be scheduled.
Personal liability (Coverage E)
Covers a guest's fall, an overflowing tub that damages the unit below, or a dog bite, at home or away.
- Worth checking: default limits ($100,000–$300,000) are thin if you have savings or income to protect. An umbrella adds $1 million or more.
Loss of use (Coverage D)
Pays for hotels, meals and extra living costs if a covered loss makes your home temporarily unlivable.
- Worth checking: time and dollar limits should be enough to house you, roommates and pets through a long repair.
Loss assessment (condo owners)
When the HOA's master policy falls short on a shared loss, the association can bill each owner a special assessment. This pays your share.
- Worth checking: default limits are often $1,000–$5,000. Confirm it covers your share of the master-policy deductible.
Walls-in building property (condo owners)
Your HO-6 covers the interior the master policy doesn't: flooring, cabinets, built-ins, fixtures and improvements.
- Worth checking: master policies range from bare walls to all-in. Set your dwelling limit high enough to rebuild your interior and upgrades.
Starting points for personal property
Illustrative starting estimates before adding electronics, jewelry, wardrobe, bikes, instruments, art or home-office equipment.
Credits worth asking about
Available discounts vary by carrier, home and state.
Multi-policy (bundle)
Pairing renters or condo with auto is usually the largest saving.
Claims-free
No claims in five years earns better pricing.
Non-smoker
Lower fire risk, lower premium.
Protective devices
Monitored alarms and detectors lower fire and theft risk.
Secure building
Controlled access and on-site staff reduce theft risk.
Autopay and paperless
Small, easy credits most carriers offer.
One conversation, many carriers
We compare the market
Many top-rated carriers compared side by side, often for less than you'd expect.
Local since 1992
We know the region's real risks: water damage, sewer backup, wildfire smoke and seismic exposure.
Help at claim time
When something goes wrong, we help you file, follow up and get treated fairly.
Protect your place
Share a few details and a broker will compare your coverage and follow up, usually within one business day.
- We size up your belongings and current coverage
- We compare top-rated carriers and bring you the options
- You choose, with every discount applied. No obligation.
Questions about your HOA or lease?
Send us your HOA master-policy summary or lease requirements and we'll show what your policy needs to cover.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Belongings estimates, the coverage check and the discount list are illustrative and not a quote. Available discounts, eligibility, coverage and rates vary by carrier, home and state, are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.