Because the association's policy covers the building, not your life inside it. It does not cover your furniture, clothing, or electronics; it does not cover your personal liability if a guest is hurt in your unit; it does not pay for somewhere to live while your unit is repaired; and depending on the master policy type, it may not cover your cabinets, flooring, or fixtures either. Kentucky law specifically preserves your right to buy your own coverage — an HO-6 policy is what fills that space.
Read the declaration, not the certificate. The declaration is the recorded document that defines where the association's responsibility ends and yours begins, and it controls. A certificate of insurance tells you limits; it does not tell you the split. Send us the declaration and the master policy summary and we'll mark the boundary for you — it is a fifteen-minute job and it is the difference between an HO-6 that fits and one that leaves a hole.
You do, unless you carry loss assessment coverage. It reimburses your share of an assessment charged to all unit owners after a covered loss. Two traps: the default limit on most HO-6 policies is low — often around $1,000 — and assessments arising specifically from the association's deductible are commonly sublimited to $1,000 even when you have raised the overall loss assessment limit. Master policy deductibles have climbed steeply in recent years. Ask us what your association's deductible is before you decide how much of this to carry.
Almost certainly you. Under a single-entity master policy the association covers the unit as originally built, which means your quartz counters and new cabinets are yours to insure. Under bare walls it was yours from the start. This is the coverage line called building property or improvements and betterments on an HO-6, and it is routinely set too low because the number was chosen before the remodel.
As to the common elements, yes — Kentucky law makes unit owners insureds under the association's property and liability coverage for those shared areas. That is genuinely useful, and it is also narrower than most owners assume. It addresses the hallway, the roof, the parking area. It does not reach inside your door.
More than the default. The right number depends on your association's master deductible, the number of units sharing an assessment, and the condition of the building — a twelve-unit building with a $50,000 wind deductible spreads very differently than a sixty-unit building with a $10,000 deductible. Bring us the association's declaration page and we'll do that arithmetic with you rather than defaulting you to $1,000 and hoping.
Every HO-6 condo policy we quote is built from these pieces:
Personal Property – Your furniture, clothing, electronics, and everything else that isn't attached to the building — covered against fire, smoke, theft, vandalism, and water damage from things like burst pipes.
Building Property (Improvements and Betterments) – The parts of your unit the master policy does not reach — cabinets, flooring, fixtures, and any upgrades you made. How much you need depends entirely on which master policy type your association carries.
Personal Liability – If a guest is injured in your unit, or you accidentally damage a neighbor's property — a leak that reaches the unit below is the classic condo claim — liability responds, including legal defense.
Loss Assessment – Your share of an assessment charged to all owners after a covered loss, including the association's deductible. The default limit is usually too low; this is the coverage worth a conversation.
Loss of Use – If your unit becomes unlivable after a covered loss, this pays for temporary housing and extra living costs while repairs happen.
Prefer to talk it through? Call us at 270-225-4445. No 1-800 numbers, no call centers — just real people in downtown Owensboro.
Getting started is easy. Whether you’d like to stop by for a friendly, face-to-face conversation or prefer to request your quote online from the comfort of home, we’re here to make the process simple. Tell us what you need, and our team will guide you from start to finish.
Once we gather your information, we’ll provide personalized condo quotes tailored to your needs. We’ll walk you through how each option compares to your current coverage so you understand exactly what you’re getting. Whether you're hoping for better protection, lower rates, or both, our team is here to help you find the policy that fits just right.
When you’re ready to make the switch, just say the word. We’ll take care of everything—from setting up your new condo policy and notifying any lienholders or required parties on your behalf. All you have to do is sit back, relax, and enjoy the confidence (and savings) that come with better coverage.
