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What Is HO-6 Insurance?

Inadequate insurance can add insult to injury after a devastating event destroys your home. Whether you own a mansion or a condominium, you need the right homeowner’s insurance to safeguard what’s likely your biggest investment. HO-6, or “walls-in,” insurance is designed for the distinct needs of condo owners, allowing them to weather the financial storm that comes with losing a property or prized possessions.

Condo Insurance Basics

  • As a condo owner, everything within the walls of your unit belongs to you. Unlike traditional house owners, condo owners share walls, roofs, parking lots, and other features of the complex. Owners chip in to cover the property’s expenses, such as management and maintenance, via monthly condo fees. Homeowners associations establish rules that govern the complex and HOAs usually get insurance for the common grounds. HO-6 insurance fills the gap between what your HOA’s insurance covers and what’s inside your unit.

HO-6 Insurance Definition

  • Insurance companies offer eight types of home insurance policies, or “HO,” policies. They serve from the basic homeowner with an HO-1 policy, to renters with HO-4 coverage, and condo owners, with HO-6. An HO-6 policy covers 17 damage-causing events and certain building items within your unit. In insurance lingo, casualty-causing events are known as “perils.” Common condo catastrophes that HO-6 policies cover include fire, smoke, falling objects, theft and certain water-related damage.

HO-6 Insurance Considerations

  • You may want to buy HO-6 coverage, even if your HOA’s policy covers unit interiors, due to the low coverage limits and high deductibles of HOA policies. InsureOurCondo states that most condo owners take out dwelling coverage of $10,000 with a $500 deductible. Dwelling coverage insures your condo’s drywall, wallpaper, paneling, floors, carpet and cabinetry, according to the website. Fixtures and appliances that are part of the interior’s building, or affixed, are also covered.

Calculating Coverage

  • You can determine how much coverage you need with your HO-6 policies in one of two ways. One way is by taking an inventory of your condo and placing a value on each of your possessions — both the big ticket and low-cost items. You can back up your inventory list with photos and video. The other manner of calculating the coverage you’ll need is less tasking. As a rule of thumb, each 1,000 square feet of space holds $40,000 in personal property, according to InsureOurCondo

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I found Kristen Wilson a couple months back and she did wonders. I gave her all my former insurance information and found me a great coverage. Although my total cost a month decreased slightly, she practically DOUBLED my coverage for the same price. I easily recommend anyone to her. She even does business insurance and workers compensation also.

Cody S.

I just got a new car and needed to upgrade my auto insurance in a hurry. Kristen was so fast and efficient, that I was able to drive my new car off the lot that day!!! Very appreciative of the service I received with this company.

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What a professional experience! Trip and Kristen Wilson make a fabulous father daughter team! My husband and I were very impressed with the care and organization of our insurance quote meeting. Trip really took time to gather extensive information for us to review which really helped us in choosing the correct coverage for our family! Kristen kept us on track with excellent, friendly follow up. This honest and caring family team will really save you a lot of money with their many options and flexible rates that large companies just can't offer. With over 4 generations of insurance experience in the family, Trip and Kristen Wilson know what they are doing! I would highly recommend them to anyone for all personal and business insurance needs!

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Great, personalized service, and they saved me money. I've already recommended Kristen Wilson to friends for their insurance needs. Fantastic family-run business.

Kristen is personable, caring and gave me a better quote than Farmers. The whole process was easy and I will never go to a different insurance company again!

Kristen takes the time to explain everything I need to know on my insurance coverage and how to protect myself. She has also helped numerous clients of mine on home insurance with excellent customer service and competitive pricing.

I've been working with Trip & Kristen for a few years now and truly love them both. Kristen does my personal insurance lines and she saved us $250 on renewals without us even asking! She's a pleasure to work with and I would recommend her to anyone. Also, they give out handmade cookies to their clients on holidays... really good ones...

5 stars all the way for the Trip Wilson Insurance Agency! I have worked with Kristen for both my personal insurance and refer her to all my clients as well. She is always on top of it and can get you a quote within a few hours! Her excellent communication throughout the process and follow up are amazing. She is easy to work with and will go above and beyond to make sure you are taken care of! Even if you are happy with your current insurance, it doesn't hurt to give her a call she may be able to save you a few hundred dollars and increase your coverage.