Condo Insurance (HO-6) in Kentucky

Protection for What Your HOA Doesn't Cover

Condo insurance - also known as an HO-6 policy - fills the gaps between your condo association's master policy and what you're personally responsible for.


For condo and townhome owners in Morehead and Rowan County, understanding where HOA coverage stops and your responsibility begins is key to avoiding costly surprises.

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What Your HOA Covers vs. What You Cover

HOA / Master Policy Typically Covers:

  • Building exterior
  • Common areas
  • Shared structures

Your Condo Insurance Covers:

  • Interior walls, floors, and upgrades
  • Personal property
  • Personal liability
  • Loss of use
  • Loss assessment coverage

HO-6 Coverage Explained

Interior Improvements

Covers upgrades like flooring, cabinets, and fixtures inside your unit.

Personal Property

Protects furniture, electronics, and belongings.

Personal Liability

Coverage if someone is injured in your unit.

Loss of Use

Helps with temporary housing if your unit is unlivable.

Loss Assessment Coverage

Helps pay your share if the HOA assesses owners after a covered loss.

What Helps Us Quote Accurately

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HOA declarations or bylaws

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Master policy summary

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Information on recent assessments

We'll review these documents with you so you understand them - no insurance jargon required.

Local Condo Insurance Guidance

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Independent agency with access to multiple carriers

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We review HOA documents with you

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Experience with small-town condo and townhome setups

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Ongoing policy reviews as HOA rules change

Make Sure Your Condo Is Fully Covered

Condo insurance isn't one-size-fits-all. We'll help you get the right HO-6 coverage without overpaying.