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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 Washington State
Compare Washington condo insurance — protect your unit beyond your HOA's coverage.
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About Condo in Washington
Seattle's booming condo market means thousands of Washington residents need HO-6 coverage — the policy that protects your unit's interior, personal belongings, and personal liability beyond what your HOA's master policy covers.
Most HOA master policies only cover the building's exterior structure and common areas. Everything from the drywall in — your flooring, appliances, fixtures, improvements, and personal property — is your responsibility to insure. For Seattle condos with significant interior upgrades, this gap can represent tens of thousands of dollars in unprotected value.
HO-6 policies in Washington typically cost $24–$50/month. For western Washington condo owners, adding earthquake coverage as an endorsement is worth considering — standard HO-6 policies exclude earthquake damage just like standard homeowners policies.
Seattle condo owner? Your HOA's policy has gaps — compare HO-6 coverage
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Frequently Asked Questions
What does HO-6 cover in Washington?
Interior walls-in, personal property, liability, loss of use, and improvements. It covers what your HOA's master policy excludes.
How much is condo insurance in Washington?
HO-6 runs $24–$50/month in WA. Seattle-area condos with higher values are at the upper end.
Should WA condo owners get earthquake insurance?
In western Washington, yes. Standard HO-6 excludes earthquake damage. An earthquake endorsement adds coverage for your unit's interior.
Does HO-6 cover loss assessment in Washington?
Most HO-6 policies include loss assessment coverage — protection if your HOA levies a special assessment for a shared claim that exceeds the master policy's limits.
Can I bundle HO-6 with auto in Washington?
Yes. Most carriers offer bundle discounts for HO-6 + auto, same as standard homeowners + auto.
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
