Condo Living in North Carolina Comes with Unique Insurance Needs
If you own a condo in North Carolina, your homeowners association (HOA) master policy only covers part of the picture. That’s where an HO6 policy—also called condo insurance—steps in. It’s designed to protect what your HOA doesn’t: the inside of your unit, your personal belongings, and your liability if something goes wrong.
Whether you live in a coastal condo in Wilmington, a modern unit in Charlotte, or a town-center property in Raleigh, understanding HO6 coverage is essential to protecting your investment.
What Is an HO6 Policy?
An HO6 policy is a type of homeowners insurance specifically for condo owners. It works alongside your HOA’s master policy to cover areas that the association’s insurance leaves out.
Most HO6 policies include:
- Interior structure coverage – Walls, ceilings, flooring, and built-in fixtures.
- Personal property coverage – Furniture, clothing, electronics, and more.
- Liability protection – If someone is injured in your unit or you accidentally damage someone else’s property.
- Loss of use coverage – Pays for temporary housing if your condo becomes unlivable after a covered loss.
Why HO6 Coverage Matters in North Carolina
Condo insurance needs can vary across the state:
- Coastal areas like Wilmington and Morehead City may require windstorm and hail coverage.
- Urban centers like Charlotte, Raleigh, and Greensboro often have higher property values and more shared spaces.
- Vacation or seasonal condos in areas like Emerald Isle or the Outer Banks may face unique risks—especially if rented out.
Your HOA’s master policy might only cover the building’s exterior and shared areas. Without an HO6 policy, you could be left paying out of pocket for interior repairs or replacing your belongings after a loss.
What’s Covered (and What’s Not)
Typically Covered:
- Interior walls, ceilings, and floors
- Built-in cabinets, countertops, and lighting
- Personal belongings
- Personal liability and medical payments
- Loss of use expenses
Not Typically Covered:
- Damage to shared/common areas (covered by the HOA)
- Flood damage (requires separate flood insurance or FEMA coverage)
- Earthquake damage (optional add-on in some areas)
- Normal wear and tear
How Sizemore Insurance Helps You Find the Right HO6 Policy
At Sizemore Insurance, we:
- Review your HOA’s master policy to find coverage gaps.
- Recommend coverage limits that make sense for your condo’s value and location.
- Shop multiple top-rated carriers to compare coverage and pricing.
- Explain your deductibles and options so you know exactly what you’re getting.
- Support you from quote to claim—no pressure, just clear answers and reliable service.
We’re independent, which means we work for you—not the carriers. And because we know North Carolina inside and out, we’ll help you find the right balance of coverage and cost for your condo.
Get Started on Your HO6 Policy Today
Protect your condo and your peace of mind with coverage built for where—and how—you live.
Start your quote online in minutes or call us at (910) 791-1011 to speak with a Sizemore Insurance advisor.