Condo Insurance

Who is responsible for installing a handrail in a strata condo complex?

If it's part of a common area, the homeowners association (HOA) would be responsible for maintaining those areas. Since this is a safety issue, I'd bring this up with your HOA about making improvements. If you have any questions, feel free to ask.

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Condo Insurance

Is there an HO-6 Special (broader) form policy that covers all-risk perils (such as sewer back-up)?

The HO-6 — also known as condo insurance — is designed to be limited in its coverage. I would look into scheduling your building property on an open peril basis which would give you much broader coverage.

Condo Insurance

What does "walls out" coverage mean in an HOA policy?

I believe they are saying that since the damage is to the interior of the condo, then it is the unit owner's responsibility to get any damages covered — whether they need to pay out of pocket or use their own condo insurance. The HOA "walls out" policy generally means that it will cover damage to the exterior walls, roofs, and other property contained inside the exterior framing, but not anything inside the unit.

Condo Insurance

Can I get my condo covered if I use it for AirBnB?

Your condo insurance may not always cover you if you're allowing homesharing or temporary tenants. Depending on your policy, it may specifically exclude them and may require you to get an endorsement/add-on.

Condo Insurance

How do I find a reputable insurance company to cover my condo?

The Zebra's guide to condo insurance lists some of the top insurance companies that offer HO-6 policies. Feel free to give our agency a call at 888-807-3823 and we'd be happy to assist.

Condo Insurance

Can a townhome be covered under an HO-6 insurance policy?

That depends on what parts of the property you are responsible for. If the townhouse shares walls and you are not responsible for the outside of the property but own the townhouse (like a condominium) then you qualify for an HO6.

Condo Insurance
Homeowners Insurance
Renters Insurance

What's the difference between HO-2, HO-3, HO-4, HO-5 and HO-6 policies?

We have more in-depth information about home insurance here. These numbers correspond to either home, renters, or condo insurance.

Condo Insurance

Is there a site where I can enter my information and it will show me different quotes from various companies?

Absolutely! That's exactly what we do at thezebra.com. Feel free to check out our site and get quotes.
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