Personal guide
California Condo Insurance and HOA Gaps
Coordinate HO-6 coverage with the HOA master policy for interiors, loss assessment, belongings, and liability.
What to know first
- The HOA master policy and CC&Rs determine what the unit owner must insure.
- Loss assessment coverage has conditions and sublimits.
- Interior upgrades may require more building-property coverage than a basic quote provides.
California limits and common starting points
Building property should match the owner's responsibility under the master policy and CC&Rs. Liability of $300,000–$500,000 and loss assessment of $25,000–$50,000 are commonly reviewed.
These are educational benchmarks, not a recommendation for every applicant.Condo insurance must be coordinated with the HOA master policy. Some associations insure portions of the interior; others leave drywall, flooring, cabinets, fixtures, and improvements to the unit owner.
Loss assessment coverage may help with certain assessments arising from covered losses or liability claims, but deductibles and exclusions apply. It does not cover every HOA assessment.
Obtain the master policy declarations and relevant CC&R insurance language. Review interior replacement cost, belongings, temporary living expenses, water deductibles, liability, and any rental or business use.