Condo Unit Owner Insurance in Massachusetts

For Mass condo owners and all condo owners, it is important to know whether you have the correct insurance in place to cover your personal property.  Do you ask yourself this question - Does the Condo Master Insurance Policy cover me?

How much would it cost if you had to replace all your furniture, all your clothing and personal belongings due to something like a smoke, fire or water loss?  

Your Personal Property is probably NOT protected under the Condominium Association's Master Insurance Policy.

Condo unit owners insurance in Massachusetts otherwise known as the HO-6 insurance policy will insure that your personal property is protectedIn addition to your personal property, there are other reasons to have a Condo Insurance Policy if you own a condominium.  

Most of these policies, also known as HO-6 policies, can:

  • protect your personal possessions whether they are in your unit or whether you are travelling.

  • Provide Additional Living Expense.  If a covered loss makes your condo uninhabitable, most HO-6 policies provide for "Additional Living Expense"  the reasonable additional costs you may incur if you have to live elsewhere while your condo is being repaired.  

  • Provide Personal Liability - may cover you if others claim you caused them bodily injury or damage to their property.

  • Medical payments - can cover some medical expense that may arise if you accidentally injur someone.

As always, we recommend you speak directly to an agent for specific coverages available on your policy.  It's easy to get a quote and understand more about the Condo Unit Owners Policy.  Call us today at 800-696-3947, or, contact us 24/7 below!


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With offices in Danvers & Winthrop Massachusetts, Elliot Whittier Insurance has been awarded The Five Star Award of Distinction from the Massachusetts Association of Insurance Agents.  Elliot Whittier Insurance is also a Trusted Choice® agency and represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs.  You can visit Elliot Whittier online at, email, or call 800-696-3947