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★★★★★
"First-time homeowner — got my insurance sorted before closing with no stress."
Tom H.
Nashville, TN
Condo Insurance (HO-6) in Michigan
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About Condo in Michigan
Condo insurance (HO-6) in Michigan covers your unit's interior, personal belongings, and personal liability — everything your HOA's master policy excludes. Many Michigan condo owners in Detroit, Grand Rapids, and Ann Arbor don't realize their HOA's policy only covers the building shell and common areas until they have a claim.
HO-6 policies in Michigan are affordable — typically $22–$48/month — and cover from the drywall inward: flooring, cabinets, fixtures, personal property, and improvements. They also include liability coverage if someone is injured in your unit.
For Michigan condos specifically, adding sewer backup coverage (as an endorsement) is recommended for units with lower-level exposure, as standard HO-6 policies exclude this.
Michigan condo owner? Your HOA policy has gaps — make sure you're covered
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Frequently Asked Questions
What does HO-6 cover in Michigan?
Your unit's interior (walls-in), personal property, liability, loss of use, and improvements/upgrades. It covers what your HOA's master policy doesn't.
How much is condo insurance in Michigan?
HO-6 policies run $22–$48/month in Michigan depending on unit value, location, and coverage limits.
Do I need HO-6 if my HOA has insurance?
Yes. Your HOA's master policy covers the building exterior and common areas — not your interior, belongings, or personal liability.
Does HO-6 cover water damage from above?
Yes. If a pipe bursts in a neighboring unit and damages your interior and belongings, your HO-6 policy covers your losses.
Can I bundle HO-6 with auto in Michigan?
Yes. Most carriers offer the same bundle discount for HO-6 and auto as for standard home and auto policies — 10–20% off both.
What customers say
★★★★★
"Bundled home and auto and saved almost $400/year. Wish I'd done it sooner."
Diane M.
Portland, OR
★★★★★
"Compared condo insurance plans side by side. Never realized how much rates vary between carriers."
Marcus J.
Boston, MA
