CONDO Insurance

Coverage Built for Condominium Living.

Condo insurance, an HO-6 policy, protects your unit’s interior, your belongings, and your personal liability, covering the gap your association’s master policy leaves. American Traditions makes it effortless with specialized expertise, dependable protection, and responsive service.

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What Does Condo Insurance Cover?

Condo insurance, an HO-6 policy, covers six core areas that work alongside your association’s master policy: your unit’s interior, personal property, loss assessment, personal liability, additional living expenses, and optional add-ons.

Interior Coverage

(Dwelling)

Helps protect the parts of your unit your association’s master policy typically doesn’t, such as interior walls, flooring, cabinets, built-in fixtures, and improvements, so you can repair or restore your space after a covered loss.

Personal Property

Helps protect the belongings that make your condo feel like home, including furniture, electronics, clothing, appliances, and other personal possessions.

Loss Assessment

Helps cover your share of certain costs when your condo association assesses unit owners for covered losses or liability affecting shared property and common areas.

Personal Liability

Helps protect your finances if you’re legally responsible for accidental injuries to others or damage to their property.

Additional Living Expenses

Helps cover temporary housing and certain everyday living expenses if a covered claim makes your condo temporarily uninhabitable.

Personalized Protection

Enhance your policy with additional coverage options tailored to your unit, lifestyle, and budget, helping protect what matters most as your needs evolve.

Why Choose American Traditions for Condo Insurance?

Local Expertise.
Dependable Protection.
Confidence Moving Forward.

Condo owners choose American Traditions for specialized HO-6 expertise, local independent agents, responsive claims, flexible coverage, and more than two decades of dependable protection. American Traditions currently writes condo insurance in Florida, with more markets on the way.

  • Specialized condo insurance expertise
    We understand how unit-owner coverage works alongside your association’s master policy and help simplify the process.
  • Independent agent network
    Work with knowledgeable local agents who can help tailor coverage to your unit and your needs.
  • Responsive claims experience
    When the unexpected happens, our claims professionals work to help you recover quickly and fairly.
  • Flexible coverage options
    Choose coverage designed around your unit, belongings, and budget.
  • Straightforward service
    Clear communication, dependable underwriting, and a commitment to making insurance easier.
  • Trusted protection
    For more than two decades, we’ve helped homeowners protect what matters most.
Why Choose American Traditions for Condo Insurance?

Local Expertise.
Dependable Protection.
Confidence Moving Forward.

  • Specialized condo insurance expertise
    We understand how unit-owner coverage works alongside your association’s master policy and help simplify the process.
  • Independent agent network
    Work with knowledgeable local agents who can help tailor coverage to your unit and your needs.
  • Responsive claims experience
    When the unexpected happens, our claims professionals work to help you recover quickly and fairly.
  • Flexible coverage options
    Choose coverage designed around your unit, belongings, and budget.
  • Straightforward service
    Clear communication, dependable underwriting, and a commitment to making insurance easier.
  • Trusted protection
    For more than two decades, we’ve helped homeowners protect what matters most.

Getting Started is Easy

Whether you prefer working with a trusted local agent or purchasing directly, getting the right manufactured home insurance starts with a few simple steps.

Step 1

Tell Us About Your Home

We’ll gather a few details to better understand your condo and coverage needs.

✓ Home address
✓ Year built
✓ Size and features
✓ Primary or seasonal residence

Step 2

Choose the Protection That’s Right for You

We’ll help you determine the coverage limits, deductibles, and optional protections that best fit your home, belongings, and budget.

✓ Home coverage
✓ Personal property
✓ Liability protection
✓ Additional coverage options

Step 3

Get Covered with Confidence

Purchase your policy through one of our independent agents or, where available, complete your quote directly online—whichever works best for you.

✓ Work with a local expert
✓ Buy online when available
✓ Review your policy anytime

Questions Along the Way?

Our independent agents are here to answer questions, explain your options, and help you choose coverage that fits your home and your lifestyle.

Find an Agent

Let’s Find the Right Coverage Together

Whether you’re purchasing a new manufactured home or reviewing an existing policy, we’re here to help you explore coverage options with confidence.

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Frequently asked questions

Condo insurance, known as an HO-6 policy, covers six core things: the interior of your unit, your personal belongings, your personal liability, loss assessments from your association, additional living expenses if a covered loss makes your unit temporarily uninhabitable, and optional coverages. Coverage limits vary, so your independent agent can tailor a policy to your unit and your association’s master policy.

Homeowners insurance covers an entire house, while condo insurance (HO-6) covers only what’s inside your unit and works alongside your association’s master policy. The association insures the building and common areas; your condo policy covers your interior finishes, belongings, and personal liability.

Not fully. The master policy usually covers the building’s exterior, structure, and shared common areas, but not what’s inside your individual unit. Your interior finishes, personal belongings, liability, and living expenses after a covered loss are your responsibility, which is what a condo (HO-6) policy covers. Review your association’s master policy with your agent to see exactly where your coverage should begin.

You need enough coverage to repair your unit’s interior and replace your belongings, plus liability limits that protect your finances and loss assessment coverage sized to your association’s master policy. Because master policies differ, your independent agent can help you set the right amounts.

Yes. Condo owners commonly add endorsements such as higher loss assessment limits, increased coverage for jewelry or valuables, and water backup coverage. Your independent agent can walk you through the options that fit your unit and budget.

You can get a condo insurance quote two ways: connect with a local American Traditions independent agent, or start a quote online where available. Having a copy of your association’s master policy handy helps us size your coverage to fit.

American Traditions currently offers condo insurance in Florida. We’re a specialist property insurer expanding into new markets, so if you don’t see your state yet, check back or ask a local independent agent about availability.