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Condo or Townhome Insurance Covers What Your HOA Does Not

Owning a condo/townhome, also known as a HO6 Policy, comes with unique coverage needs. While your HOA may insure the building structure, it is up to you to protect what is inside, including your personal belongings, interior upgrades, and personal liability.

The right policy fills in the gaps, helps you avoid costly surprises, and provides dependable protection at a fair rate.

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We Make Protecting Your Home Simple.

From start to finish, we remove the guesswork, give you clarity on your choices, and connect you with coverage that fits your life.

Guidance You Can Trust

You will know exactly what your policy covers and feel confident in your choice.

Options That Fit You

You can explore quotes from 40+ insurance companies without endless searching.

Smart Technology Working for You

You will be matched to the right protection quickly, so you can get back to living life.

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What You Need To Know About Condo or Townhome Insurance

When you own a condo or townhome, your insurance depends on what you’re responsible for versus what the HOA covers. Condos usually require coverage for just the inside of the unit, while townhomes may need full coverage for both the inside and outside. Understanding your HOA’s responsibilities helps you get the right policy and avoid gaps.

Condos HO6

A Condo HO6 policy is designed to cover everything inside your unit, sometimes called studs in, including personal property, interior walls, and liability. It fills the gap between what your HOA covers and what you are responsible for as the unit owner.

Townhomes HO6

A Townhome HO6 policy is the same as a Condo HO6 by covering the interior of your unit, personal belongings, and liability. Coverage varies based on what your HOA maintains, so it is important to know where their responsibility ends and yours begins.

What Type Of Policy Do I Need?

Does my townhome need a condo policy (HO6) or a homeowners policy (HO3, HO5)?

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What Is Loss Assessment Coverage?

Loss assessment coverage protects you from surprise bills when your HOA charges unit owners for damage or liability not fully covered by their insurance. Without it, you could be on the hook for thousands if the roof is damaged in a storm or someone is injured in a shared space.

Add this coverage to your condo or townhome policy to avoid unexpected out-of-pocket costs.

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Hear from current clients

Great experience with Trailstone. I was overwhelmed with insurance options after I bought my condo and Cody from Trailstone put my mind at ease and handled everything for me and hooked me up with the best deal. Highly recommend!

— Darlene T. Lacey, WA

Our Simple process

Your Path to the Best Condo or Townhome Insurance

Getting the right condo or townhome insurance should be simple. With our four-step process, you get protection you can trust, ensure you have the correct amount of loss assessment, so that you know you are covered properly.

Start With a 15-Minute Call

No one else has your exact life, your business, or your priorities. On this call, we dig into what matters most to you and build a policy around it. No generic quotes. No guessing. Just coverage that’s right for you.

Know Your Options. Protect What Matters.

We check with 40+ A-rated carriers and send a simple video that explains your best coverage options—so you can choose confidently without feeling rushed or pressured.

Make a Confident Choice

After reviewing your options, we make adjustments as needed so your policy fits just right. No more paying for the wrong coverage or putting off peace of mind.

Switch With Confidence. We’ll Handle the Rest.

Forget the hassle of starting over. We make sure your new coverage is in place and your transition is seamless—because getting protected should feel easy.

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Common Questions from Our Customers

FAQs

At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.

What does my HOA’s master policy cover compared to my condo insurance?

What if my unit causes damage to another unit?

How much condo insurance do I need?