Personal insurance
Condo Insurance
Protect everything inside your walls.
What it is
Your association’s master policy usually stops at the building structure. A condo policy picks up where it ends, covering your unit’s interior, your belongings and your personal liability.
Every policy is different, and exact coverage depends on the insurance company and the options you choose. We’ll walk you through the details before you buy.
What we can help you cover
- Interior walls, fixtures and improvements you own
- Personal property such as furniture, electronics and clothing
- Liability if a guest is hurt or you damage a neighbor’s unit
- Loss assessment and additional living expenses after a covered loss
How condo insurance fits with your HOA policy
When you own a condo, two policies share the job. The association’s master policy covers the building and common areas. Your own condo policy, often called an HO-6, covers what the master policy leaves to you: usually some or all of the interior of your unit, your belongings and your personal liability.
How much of the interior is your responsibility depends on the master policy and your association’s governing documents. Some master policies cover the building down to the bare walls, others include original fixtures and finishes, and a few include improvements owners have made. We read the declarations and master policy summary with you so your coverage starts exactly where the association’s stops.
Raleigh condos and townhomes
From downtown and Glenwood South to North Hills and the condo communities along the Six Forks and Falls of Neuse corridors, Raleigh has a wide range of buildings, from older garden-style complexes to newer mid-rise towers. Older buildings may have aging plumbing, and in any stacked building a leak from the unit above can damage yours. Townhomes that are legally organized as condominiums need condo coverage, too, so it is worth confirming how yours is set up.
Coverages that matter most
Dwelling or building property coverage pays for the interior walls, cabinets, flooring and fixtures you are responsible for. Personal property covers your furniture, electronics and clothing. Liability helps if a guest is hurt in your unit or you accidentally damage a neighbor’s unit. Loss of use helps with temporary housing during covered repairs.
Loss assessment coverage is easy to overlook. If the association suffers a large loss or a liability claim beyond its own coverage or deductible, it may assess each owner a share. Loss assessment coverage can help pay your portion. Flood is excluded here too, so ground-floor units should ask about separate flood coverage.
Quick quote
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Answer a few questions in our home quick quote form. A Shadow Lake advisor reviews every request and follows up with you.
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FAQ
Frequently asked questions
What does an HO-6 condo policy cover?
Typically the parts of your unit the association’s master policy doesn’t, such as interior walls, fixtures and improvements, plus your belongings, personal liability, loss of use and loss assessment. Exact coverage depends on your master policy and the company you choose.
What is loss assessment coverage?
If your condo association charges owners a special assessment after a covered loss or liability claim that exceeds the master policy, loss assessment coverage can help pay your share, up to the limit you choose.
What does Condo Insurance typically cover?
Your association’s master policy usually stops at the building structure. A condo policy picks up where it ends, covering your unit’s interior, your belongings and your personal liability. Exact limits, deductibles and exclusions depend on the policy and the insurance company, so we review the details with you before you buy.
Do you only insure people in Raleigh or North Carolina?
Our office is in North Raleigh, and we work with neighbors across the Triangle every day. As an independent agency we also help clients nationwide when we have markets that fit.
How do I get a quote for condo coverage?
Start the quick quote form on this page, call or text our office, or request a quote online. An advisor reviews every request and follows up — usually within one business day.
Will you compare more than one insurance company?
Yes. Shadow Lake is an independent agency, so we shop multiple top-rated carriers for you instead of selling a single brand. Availability depends on the coverage, your location and underwriting.
Is flood damage included in a standard homeowners policy?
Usually not. Most homeowners and renters policies exclude flood. If you need flood coverage in North Carolina or elsewhere, we can help you look at separate flood options.
Can I bundle home and auto?
Often yes. Many households save time and may qualify for multi-policy discounts by placing home and auto with compatible carriers. We’ll tell you what options apply to your situation.
Condo Insurance near you
Our office is on Six Forks Road in North Raleigh, and we help households and businesses across the Triangle and nationwide.
Guides about condo insurance
- Frozen Pipes and Your Home Insurance: A Winter Prep Guide for the TriangleA hard freeze can catch Raleigh homes off guard. How to prevent frozen pipes, what to do if one bursts, and what to ask about water damage on your home policy.
- Condo Insurance in Raleigh, NC: What HO-6 Covers (and What the Association Doesn't)Own a Raleigh condo or townhome? How HO-6 insurance works with the HOA master policy, what walls-in coverage includes, and gaps like flood and loss assessment.
- How to Make a Home Inventory (Before You Ever Need to File a Claim)A home inventory makes claims easier. A simple room-by-room way for Raleigh homeowners and renters to document belongings, plus what to check on your policy.
- Hurricane and Flood Coverage for North Carolina Homeowners: What Your Policy Does and Doesn't CoverHow NC homeowners policies treat wind, named-storm deductibles and flood, when NCIUA/NCJUA apply, and why NFIP flood coverage usually waits 30 days.