Do condo fees cover home insurance?

Answered by Home Insurance, Car Insurance Expert Shannon on March 3, 2021

The condo fee for the unit I want to buy is almost $500. Is home insurance included in that cost?

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Home Insurance, Car Insurance Expert

Your monthly condo fee usually covers “common services and amenities.” These are things like landscaping, operating expenses for common areas, and possibly insurance that goes towards the roof and other structures on the premises. It will not, however, cover insurance for your unit specifically. For a condo, you need to purchase your own HO-6 condominium policy. This will provide you with coverage for your dwelling — from the studs of the walls on inwards — permanent fixtures, personal property, and liability.

For more information about this topic, check out this article: Why You Need Condo Insurance Even with a Condominium Association Policy.

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