Dwelling / Building Property
Interior walls, flooring, cabinetry, and upgrades the master policy doesn't cover.
Independent Insurance · Est. 1959
Your Association's Master Policy Stops at Your Walls
Condo owners are responsible for far more than most realize — interior finishes, upgrades, deductible assessments, and personal liability. We read your association's master policy and build an HO-6 that fills the gaps instead of duplicating coverage.
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Get My Insurance Options
Tell us a little about your household. A licensed insurance advisor will review your needs and contact you to discuss your options.
Condo Insurance (HO-6)
What condo insurance covers.
The interior you own, the belongings inside it, and the assessments that land on you.
Personal Property
Furniture, electronics, clothing, and belongings inside your unit.
Personal Liability
Injuries to guests in your unit and damage you cause to neighboring units.
Loss Assessment
Your share of an association deductible or shortfall after a building-wide loss.
Loss of Use
Living expenses while your unit is repaired after a covered loss.
Water Damage & Backup
Sewer and drain backup and water escaping from plumbing within your unit.
Master policies vary widely. Bare walls, single entity, and all-in master policies each shift a different amount of responsibility to you. We review yours before quoting.
Family-owned since
1959
Why Mayer & Steinberg
Boutique service. Institutional reach.
Independent agency
We answer to you — not a single carrier.
40+ carrier network
Real market access for real competitive pricing.
Competitive pricing
Side-by-side quote comparisons, every renewal.
Personalized guidance
A dedicated advisor — not a call center.
Long-standing reputation
Serving businesses and families since 1959.
Process
From first call to bound coverage.
A streamlined process designed around your time, not ours.
- 01
Submit Review
Share a few details about your business in just a few minutes.
- 02
Discuss risks
A licensed advisor walks through your exposure and gaps.
- 03
Compare Coverage Options
We review coverage options from leading insurance carriers and present the solutions that best fit your business.
- 04
Get coverage
Bind the right policy, with ongoing support at renewal.
Clients
Trusted by condo owners.
"Our association raised its deductible and nobody told the owners. They caught it and fixed our assessment limit."
Sandra P.
Condo Owner
"They actually read the master policy instead of guessing. The renovation we did is properly insured now."
Victor A.
Condo Owner
What a condo review includes.
- Association master policy read to identify exactly where its coverage stops
- Loss assessment limits set against the association's deductible, not a default
- Building property limits sized to your finishes and renovations
- Water backup and sump overflow coverage added where the building risk warrants
- Liability coordinated with a personal umbrella when appropriate
- Bundle pricing with auto compared across multiple carriers
FAQ
Condo insurance questions we hear most.
What is an HO-6 policy?
It's the condominium unit-owner form. It insures your interior, personal property, liability, and loss assessment exposure — the parts the association's master policy leaves to you.
How do I know what my master policy covers?
Request the declarations and bylaws from your association. Bare walls forms leave nearly all interior finishes to you; all-in forms cover more. We'll read it and tell you plainly.
What is loss assessment coverage?
When a building-wide loss exceeds the master policy or triggers a large deductible, the association can assess owners for the shortfall. This coverage pays your share, up to the limit you select.
Do I need condo insurance if I rent my unit out?
Yes, and the policy should be written for a rented condominium. A standard owner-occupied HO-6 may not respond correctly when tenants occupy the unit.
Does my lender require condo insurance?
Most mortgage lenders require an HO-6 with a minimum building property limit, often around 20% of the unit value. We'll confirm the exact requirement with your lender.
Get My Insurance Options
Tell us a little about your household. A licensed insurance advisor will review your needs and contact you to discuss your options.
Compare coverageMaster policy reviewedShop multiple carriers