(800) 956-3728 
Tell us about your residence
Welcome back!
You can pick up from where you left by retrieving your quote below.
Search by Quote ID → Search by Date of BirthCustomized Condo Insurance to Protect Your Assets
Are you a condo owner? You’ll likely need an HO6 condo insurance policy, a type of homeowners insurance designed specifically for condominium units. An HO6 policy helps protect your personal property, interior fixtures, and liability within your condo unit, helping complement your condo association’s master policy.
But condominium insurance offers more than protection for your home. It’s an investment in your happiness and future, providing coverage for fire, theft, and other covered losses. Give your condo (and its contents) the protection it needs to provide you with peace of mind in the event of the unexpected with Mercury Insurance.
Contact us today for a HO6 insurance quote!
1Coverage(s) may be subject to certain restrictions and limitations and may not be available in all states. Ask your local independent agent for more information.
What our Customers are Saying
Since 1962, millions of customers have trusted Mercury to provide them affordable and quality coverage for their home and auto needs. Read about their experiences.
Coverage Just for Condo Owners
Condo owners have different needs than renters and single-family homeowners, which is why Mercury Insurance created condo insurance coverage that can be tailored to your specific needs. Don’t settle for a generic condo insurance policy for your unit. Take a look at some of the coverages we offer and get an online quote or call one of our independent Mercury agents for help customizing a plan that’s just right for you.
Personal Property
Provides coverage for your household items in the event of fire, theft or other covered loss. Personal property coverage is critical, as most condo association policies don’t provide coverage for your personal belongings.
Improvements
Provides coverage for fixtures and improvements you’ve added, including cabinets, flooring and lighting as well as other free-standing structures that your condo association’s policy may not cover.
Loss Assessment
Provides additional coverage in the event your condo association levies an assessment on each condo owner to make common area repairs for a covered loss.
Additional Living Expenses
Provides coverage for living expenses if your condo becomes uninhabitable as a result of a covered loss.
Personal Liability Protection
Pays for bodily injury or property damage caused to others as a result of a covered incident.
Guest Medical Protection
Pays medical expenses for your guests who are accidentally injured on your property.
Workers’ Comp Coverage
Pays medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.
Condos Rented to Others
Provides liability and contents coverage on your condo when you rent it to others.
Low Rates and Great Discounts
Mercury Insurance offers some of the lowest rates around. Maximize your savings and get a lower condo insurance premium with some of our most popular discounts.2 Talk to your Mercury agent to learn more about these and other discounts:
- Multi-Policy (Auto + Condo)
- Gated Community
- Smoke Alarm
- Security Monitoring
- Selecting a higher deductible
- Homeowner association discount
- Loss free discount
- New home discount
2Discounts and coverages may vary by state.
Frequently Asked Questions
What is condo/condominium insurance?
Condo insurance, also called condominium insurance or an HO6 policy, is a type of homeowners insurance designed for condo owners. It covers what your condo association’s master policy doesn’t, like your personal belongings, interior features, and personal liability. This type of coverage helps protect your unit and everything that makes it feel like home.
What does my condo association master policy cover?
The master policy usually begins with your unit’s inside bare walls and covers everything working out, including the walls, what’s inside the walls, the property roof, elevator and lobby. You’re normally responsible for everything inside of your condo, including interior structures and fixtures, such as your bathroom, kitchen, lighting and floors.
Some condo associations have all-in master policies that cover the outside of your building and the structural fixtures inside it. Let a Mercury agent review your condo association master policy today to be sure!
Does condo insurance cover earthquake and flood damage?
Condo insurance policies don’t normally cover earthquake or flood damage, so you must purchase earthquake and flood insurance separately. These coverages are extremely important. Carefully consider purchasing these additional policies, especially if you live in an area where flooding or earthquakes are common, as they cover the cost of repairing the interior of your condo and replacing your personal belongings.
Does condo insurance cover home businesses?
Condo insurance is not intended to cover home businesses. Your policy does contain a limited amount of protection for property used primarily for business purposes; however, to help protect your business, speak to your Mercury agent about adding a business insurance policy.
Does Mercury offer condo insurance in my state?
Mercury is proud to offer condominium insurance coverage in the following states: Arizona, California, Illinois, Georgia, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
Coverages may be subject to certain restrictions and limitations. Contact a Mercury Insurance agent for a condo insurance quote so you can get the right coverage for your needs.
What does "walls in" condo insurance mean?
“Walls in” condo insurance refers to coverage that protects everything inside your unit, starting from the interior walls and moving inward. This usually includes features like flooring, countertops, cabinetry, and fixtures. It doesn’t cover shared areas or the building's exterior, which is covered by your condo association’s master policy.
How does homeowners insurance on a condo work?
Traditional homeowners insurance (HO3 policy) covers the entire home, both the structure and everything inside. But when you own a condo, you don’t need to insure the whole building. Instead, you’ll need a condominium insurance policy (HO6), which is designed specifically for condo units. It covers your personal belongings, interior upgrades, and liability, while your condo association’s master policy typically handles the exterior and common areas.