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How does homeowners insurance work if you have an HOA?
I have a condo that's also part of an HOA. How does homeowners insurance work if I already have an HOA policy that covers the exterior of the building?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You’ll still need to get condo insurance or a Unit-Owners HO-6 policy to protect your condo and personal property. The HOA policy will continue to cover the exterior of the building as you’re technically paying for it through your HOA fees.
Your HO-6 policy will cover the 16 named perils along with your personal property anywhere in the world. Some of the perils covered are:
- Fire
- Theft
- Vandalism
- Windstorm
- Hail
To get the best rate for a homeowners policy, you might want to bundle it with your
car insurance
if possible. If you want help finding the best deals in the least amount of time, try using the free
Jerry
app. Jerry compares rates from the top providers and delivers the best deals to your phone in minutes. They’ll even help you fill out all of the paperwork.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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