Your Condo Is One Of The Single Largest Purchases You Will Make

Shouldn’t you make sure you have the very best coverage to protect it?  HN Insurance has access to over 100 specialty Carriers. At HN, we find great joy and pride in providing our clients with the peace of mind of knowing that the people and things that are important to them are protected from the unexpected.  We can assist with your Condo, Auto, Rentals, Boat, or RV Insurance needs.  We also offer Umbrella Policies and specialty policies to cover things like jewelry, antiques & collectibles. Robert Parker can customize client-specific risk diversification options for you. He can also educate you on things you can do to help save money on your home or auto insurance.

What Is A Condo-Owners Policy (HO-6)?

A HO-6 policy is an insurance policy that protects the “walls-in” of a condo unit and everything that it entails. In some cases, townhouses only need a condo policy when the Association insures the exterior of the structure.

Master Insurance Policy:

HO-6 is the coverage obtained and handled by the Association (COA/HOA) to provide protection for the structure and exterior of the condo/townhouse. These policies typically have multiple, separate deductibles, dependent on the cause of loss. These deductibles typically range from $5,000 to $50,000 and can be for a single incident throughout the building, or per individual condo unit for a single incident.

Common, Known Coverages

  •  Deductible • Damages paid by policyholder per claim
  •  Cov. A – Dwelling (Additions & Alterations) • Typically 20%+ of the unit purchase price
  •  Cov. C – Personal Property/Belongings • As needed to replace by today’s prices
  •  Cov. D – Loss of Use/Additional Living Expense • Covers extra expenses incurred if vacated
  •  Cov. E – Personal/Family Liability* • Protects assets from damage to others
  •  Cov. F – Medical Payments • No-Fault payout for injury to others

Not-So-Known Coverages

  •  Loss Assessment* – Can cover deductibles in Master Policy & Covers damages assessed by Association
  •  Mold Coverage – Remediation of damages from mold
  •  Special Coverage for Personal Property* – Covers contents for Open Perils
  •  Special Coverage for Dwelling* – Covers interior structure for Open Perils
  •  Water and Sewage Backup*- Typically excluded – water/material backed up from drain/sump pump

If you would like to get a competitive quote on your Condo insurance,
complete the quote request form below.

We work with over 100 Carriers and can get you the very best coverage possible, to fit your budget.



We work with over 100 Carriers and can get you the very best coverage possible, to fit your budget.


Robert Parker

Robert Parker
Account Executive
HN Insurance Services
11675 Great Oaks Way | Suite 144
Alpharetta, GA 30022
Cell: 678.382.7951
Office: 678.553.5281