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Estimate monthly HO-6 condo insurance and how it fits into your total payment.

Your unit policy covers interior finishes, belongings, and sometimes loss assessments. Premiums vary by building age, location, and master policy deductibles.

Budget insurance separately. Do not assume it is fully included in HOA dues.

Last updated: May 2026

Your numbers

What this means

Plan on $0.00 monthly for HO-6 coverage. Rising master policy costs in your building may also flow into HOA dues.

Assumptions and limitations

  • Premium is user-entered from quotes; we do not estimate regional rates.

Frequently asked questions

What does HO-6 cover?
Typically interior finishes, personal property, liability, and sometimes loss assessment when the master policy falls short.
Is insurance included in HOA?
The building master policy usually is; your unit policy is an extra owner cost.

When this matters

  • You received an HO-6 quote that is higher than you expected
  • The master policy has a large deductible that affects your unit coverage needs
  • You are budgeting monthly insurance separate from HOA

What this calculator does not include

  • Live tax bills, insurance quotes, or HOA budgets from any database
  • Lender approval, HOA questionnaire results, or project eligibility
  • Future HOA increases unless you change the inputs yourself
  • Master policy premiums paid through HOA
  • Flood or earthquake policies unless you add them separately

See our methodology page for how each input is defined and how to interpret results.

Common questions

Why is my HO-6 premium high?
Building age, coastal exposure, master policy deductibles, and prior claims in the association can all raise unit premiums. Get quotes for the specific building before you offer.

Sources to verify before buying

Use this checklist during due diligence. Calculators help you plan; these documents tell you what a specific building actually costs.

  • HOA budget and most recent financial statements
  • Reserve study and percent-funded summary
  • Master insurance policy declarations and renewal terms
  • Board meeting minutes from the past 12–24 months
  • Pending or approved special assessment notices
  • County or municipal property tax estimator for the unit
  • HO-6 insurance quote matched to master policy coverage
  • Lender condo questionnaire or project approval status

Assumptions and limitations

  • Outputs are planning estimates only, not quotes from lenders, insurers, or tax authorities.
  • Actual HOA dues, insurance premiums, and tax assessments vary by building, location, and ownership status.
  • PMI, special assessments, and reserve risk are modeled with simplified assumptions unless you enter your own figures.
  • Always confirm numbers with association documents, your agent, and qualified professionals before making an offer.

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