Affordable Condo Insurance Quotes | Orbit Insurance Services

Protecting your unit

What coverages can I get for my Condo?

Condo insurance fills the gaps left by your HOA's master policy. Ensure your interior, belongings, and personal liability are fully protected.

Dwelling (Interior) Coverage

Protects your unit's interior structure, including walls, flooring, fixtures, and custom cabinetry against fire, vandalism, and covered repair costs.

Personal Property Coverage

Safeguards your belongings such as furniture, electronics, and clothing against theft, damage, or other covered events, ensuring financial security.

Liability Coverage

Covers legal fees and damages if you're responsible for bodily injury or property damage to others within your condo unit.

Loss of Use Coverage

If your condo becomes uninhabitable due to a covered event, this coverage helps pay for temporary housing, meals, and living expenses.

Loss Assessment Coverage

Provides additional protection if you're held responsible for a portion of damage or loss that occurs in the common, shared areas of the community.

Medical Payments Coverage

Helps cover the costs of minor medical injuries if a guest is injured inside your condo, regardless of fault, preventing larger lawsuits.

Why Orbit

Why Orbit is the best choice for Condo Insurance?

Competitive Rates

We evaluate policies from top-rated carriers to ensure you aren't overpaying for overlapping coverages with your condo association.

Association Expertise

Our agents understand how to read HOA master policies to identify exactly where your personal HO-6 coverage needs to begin.

Any Credit Welcome

Whether you have excellent credit or are working to rebuild it, we find flexible payment plans that fit your budget.

Online, Phone, or In-Person

Purchase your condo policy however is most convenient for you — instantly online, by speaking with an agent, or visiting a local office.

Talk to a property expert today

An Orbit agent is ready to help you navigate your condo coverage requirements. Secure your personal space with confidence.

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The basics

What is Condo Insurance?

A condo insurance policy (often referred to as an HO-6 policy) is a type of property insurance specifically designed to protect condominiums and their owners. Unlike a standard homeowners policy that covers the entire building structure, condo insurance is designed to work alongside your Condominium Association’s (HOA) master policy.

While the HOA master policy typically covers common areas, the roof, and the exterior building structure, your personal condo policy covers the interior of your unit (walls, flooring, custom fixtures) and your personal belongings. It offers protection against a wide range of perils, including fire, theft, and vandalism, while also protecting you against potential personal liabilities if someone is injured inside your specific property.

Good to know

Frequently asked questions & Requirements

The HOA master policy usually covers the building's exterior, roof, hallways, elevators, and shared amenities (like pools). Your personal condo insurance (HO-6) covers everything "walls-in"—your personal belongings, interior upgrades, custom cabinets, flooring, and your personal liability inside the unit.

Because you are only insuring the interior of the unit and your belongings, condo insurance is generally much cheaper than standard homeowners insurance. On average, you can expect to pay around $455 per year (roughly $38 per month), though rates vary by location, coverage limits, and unit size.

Yes. If you rent out your condo to tenants, you will need a specific Landlord Condo policy. This covers the unit's interior structure, appliances you own, and liability, but it does not cover the tenant's personal belongings (they will need their own renters insurance).

Yes! You can lower your premiums by bundling your condo and auto policies, installing monitored security or fire alarm systems, maintaining a claims-free record, or utilizing automatic payment discounts.

To provide the most accurate quote, we will need:

Condo Details: Address, square footage, unit number, and floor level.
HOA Info: Details on what your condo association's master policy covers (e.g., "bare walls" vs. "all-in").
Coverage Needs: Estimated value of your personal property and desired interior dwelling limits.
Safety Features: Presence of sprinklers, smoke detectors, or security systems.

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