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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 Pennsylvania
Compare Pennsylvania condo insurance (HO-6) — protect what your HOA policy doesn't.
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About Condo in Pennsylvania
Condo insurance — also called HO-6 — covers what your HOA's master policy doesn't: your unit's interior, personal belongings, liability, and improvements you've made. In Pennsylvania, many condo owners assume their HOA's insurance covers everything, only to discover after a claim that it only covers the building's exterior shell and common areas.
In Philadelphia and Pittsburgh, where condo development has surged, HO-6 policies are essential. Your policy covers everything from the drywall in — flooring, cabinets, fixtures, personal property, and any upgrades you've made. It also provides liability coverage if someone is injured inside your unit.
HO-6 policies in Pennsylvania typically cost $25–$55/month depending on your unit's value, location, and the coverage limits you choose. The gap between carrier pricing for identical HO-6 coverage is often 30–40%, making comparison especially valuable for condo owners.
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Frequently Asked Questions
What does condo insurance cover in Pennsylvania?
HO-6 covers your unit's interior (walls-in), personal property, liability, loss of use, and any improvements/upgrades. It picks up where your HOA's master policy leaves off.
How much does condo insurance cost in PA?
HO-6 policies in Pennsylvania typically run $25–$55/month depending on unit value, location, and coverage limits. Philadelphia tends to be at the higher end; suburban and rural areas are lower.
Do I need condo insurance if my HOA has a master policy?
Yes. Your HOA's master policy covers the building structure and common areas — not your unit's interior, belongings, or personal liability. HO-6 fills these critical gaps.
Does condo insurance cover water damage from a neighbor?
Yes. If a pipe bursts in the unit above you and damages your ceiling and belongings, your HO-6 policy covers your losses. You'd then potentially subrogate against the neighbor's policy.
Can I bundle condo insurance with auto in Pennsylvania?
Yes. Most carriers offer the same 10–20% bundle discount for condo (HO-6) and auto as they do for standard homeowners and auto policies.
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
