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Gateway Property and Casualty

642 Central Ave
Dover, NH 03820

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New Hampshire Condo Insurance Coverage

Condo Insurance in New Hampshire

Do you own a condo in Maine, New Hampshire, or Vermont? Is it insured? Protect your home with condo insurance.

What is condo insurance?

An HO6 insurance policy is homeowners’ insurance for condominium owners. As the unit's owner, you will be responsible for any damage to your unit. This coverage handles liability claims and damage to your unit and personal possessions. It pays for additional living expenses if you cannot live in your unit due to a covered event.

Homeowners and condo owners need different insurance policies. As condo owners are responsible only for protecting the inside of their home, a homeowners policy covers the interior and exterior of the house. The homeowner’s association master policy protects the outside of the condo unit itself.

You pay less for condo insurance because you protect only a portion of the building, not the entire building. The property management company insures the common areas of the building, while the condo owner is responsible only for their unit.

As a condo owner, you do not own the land or building the home sits on. But it would be best if you still had a good insurance policy to protect your unit and personal possessions. If you want coverage for issues not covered by an HOA master policy, such as theft of your possessions or injuries to others, you will need to purchase a condo insurance policy.

Condo insurance does not cover damage from floods, earthquakes, or sinkholes. These are typically excluded from condo policies, and you will need to purchase separate coverage if you live in a high-risk area.

If you live in the northeastern part of the country and own a condominium unit, ensure it is protected with a condo insurance policy from Gateway Property & Casualty. Contact our team today. You will be glad you did.

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