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Condo Insurance to Protect What Your Association Doesn’t

Our condo insurance policy fits your lifestyle. It’s just the right size for you — no more and no less, just like your condo.

A man and a woman holding a child and smiling outside of a condo.
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What Is Condo (H06) Insurance?

Condo insurance, also known as H06 insurance, is like homeowners insurance for your condo. It helps cover liability claims, the interior of your unit, personal belongings, and additional living expenses if you’re unable to stay in your condo due to a covered event. 

While your condo association should carry a master insurance policy, this policy may only provide limited — or no coverage — for the inside of your unit or your personal belongings. So, what does a condo association insurance policy cover? Typically, the master insurance policy covers the grounds, most of the physical structure of your condo, and common areas like a swimming pool or gym. 

What Does Condo Insurance Cover?

Westfield’s condo insurance can help give you a financial cushion in case of unexpected circumstances such as:

  • Fire
  • Theft
  • Disaster
  • Accidental injury to a visitor inside your condo if you are legally liable

Once you’ve nailed down the basics with your condo insurance plan, you might want to consider some extras, like identity theft protection, cyber protection insurance, and inland flood insurance for your condo. Our independent agents are standing by to guide you through our flexible, add-on coverage options.

Condo Insurance

 Coverage Highlights

Westfield offers competitive coverage for your condo without being a burden on your budget. Here are five coverages* that are generally included in our HO6 insurance policies: 

Personal Property

for items including your furniture, clothing, electronics, and jewelry. 

Unit-Owners Coverage

for items not covered by the master policy, such as cabinetry, light fixtures, flooring, and more.

Personal Liability

and medical payments for visitors who get injured on your property.

Temporary Living Costs

 if you are unable to occupy your home due to a covered loss.

Loss Assessment Coverage

for fees you may be charged when a common area is damaged.
Mother and son unloading bags from the car outside their condo.
Wespak® Insurance Policy

Cover Your Condo and Auto

If you want to simplify your life, Westfield offers the option to combine your condo and auto insurance into one policy — and one bill. If you love efficiency, Wespak is for you. 

What Is the Difference Between Condo Insurance and Homeowners Insurance?

Like homeowners insurance, condo insurance helps cover your personal belongings, the interior of your unit, injuries on your property that you are legally liable for, and temporary living expenses. However, condo insurance usually does not cover damage to the outside of your home, including exterior walls and communal areas. That’s because your condo association’s master insurance policy typically covers these things. 

Smart Home Device

Free Ting Electrical Fire Hazard Monitoring

At Westfield, our mission is to enable your peace of mind and financial stability. As part of this ongoing commitment, we’re providing Ting to our homeowner and condo policyholders — at no cost. Ting is a proven smart home technology that plugs into an outlet and helps monitor your home for electrical fire hazards. See how Ting can help protect your family and home from electrical fires.
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Customize Your Condo Policy

Explore Add-On Coverages

Equipment Breakdown Insurance

If equipment like your washing machine breaks down, this coverage can help pay the repair or replacement costs.

Identity Theft Coverage

If you become a victim of identity theft, this coverage can help cover costs associated with the recovery process. 

Cyber Insurance

If you experience a cyberattack or cyberbullying, this coverage can help financially protect you. 

Inland Flood Insurance

If you experience a flash flood or other flooding event, this endorsement can help cover the damage. 

Umbrella Insurance

In the event of a large claim against you, this coverage can add an extra layer of financial protection.
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Condo Insurance Quotes

After you’ve connected with your condo association to find out exactly what they insure, our agents are here to help you get the coverage you need. Contact a Westfield agent to start the quoting process. 
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Condo Insurance

Frequently Asked Questions

If you have a mortgage on your condo, it is common for your lender to require an HO6 insurance policy. Your condo association may also require certain coverages or limits.

Like other insurance, the cost of your condo insurance depends on a variety of factors, such as your location and the coverage limits you choose. With Westfield, you can tailor your condo insurance to meet your lifestyle and budget. 

No. If you are renting a condo, it’s a good idea to carry renters insurance, even if it’s not required by the condo association or landlord. 

*Subject to policy limitations.