Buying townhouse and condo insurance in California could possibly be a new thing for you. Since all the fires in California, people that were not required to have town-home or condo insurance when they bought their place are now required to have it. Maybe you sought out town-home/condo insurance because you are in a high-risk brush area and want to be protected. It is also possible that you are currently in escrow and the lender is requiring a condo/town-home policy. So whether you’re in escrow buying your own condo, refinancing your condo, or wanting protection for your place, we can help you. Unity One Insurance can guide California residents in obtaining a condo, town-home, or Ho6 policy in high brush areas.

Frequently Asked Questions Regarding Town-Home & Condo Insurance

Q: I live in a condo community and am apart of the homeowners association or HOA. I have a master’s policy, so if I am in a high brush area would I need condo/town-home insurance on top of this?

A: Most master policies do NOT cover anything that is inside the walls. It covers things that are shared like the roof, pool, grounds, and clubhouse. It is your responsibility to cover what is inside the walls. Whether you are in a high-risk fire area or not, California residents need a condo/town-home policy on top of the master policy if they want to cover anything that is inside their walls.

Q: What is a H06 or “walls in” policy?

A: A Ho6 or “walls in” policy is just another name for condo insurance. Lenders and insurance agents/brokers use these terms a lot of the time.

Q: What does a high brush Ho6 policy cover?

A: Building Coverage– Rebuilds the inside of your home (paint, toilets, flooring, cabinets, etc.)

Personal Property-Replaces your stuff that is damaged by a covered cause. (clothes burned in a fire, theft of belongings, etc)

Liability- Covers medical bills, lost pay, and attorney fees of the injured party. (Incidence where someone is injured at your home or you accidentally hurt someone away from your home)

Loss Of Use- Basically gives you money to be able to live somewhere else if your condo is being repaired due to covered peril. (Has to be deemed unlivable, your house burns down, etc.)

If you have any questions at all, give us a call or an email anytime! We work quickly and are very experienced with condo/town-home and Ho6 policies, especially in high brush areas throughout California. Unity One Insurance looks forward to speaking with you!