Condo insurance that matches your HOA master policy.
An HO-6 policy covers what your HOA master policy does not: the interior of your unit, your belongings, your liability, and the loss assessment the association can bill you after a claim. We read the master policy first, then write the HO-6 to fit the gap it leaves.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
What does an HO-6 condo policy cover?
Four coverages, and the right limits depend entirely on how your association's master policy is written.
Interior building property (Coverage A)
Cabinets, flooring, fixtures, and finishes inside your walls. If the master policy is bare-walls, this limit has to carry the whole interior rebuild.
Personal property
Everything you would take with you. Sub-limits apply to jewelry and electronics, and we can schedule high-value items.
Loss assessment
Pays your share when the association assesses owners after a covered loss or a liability claim on common area. The default limit is often too small for a large assessment.
Liability and water damage to neighbors
Covers injuries in your unit and, in most policies, damage you cause to units below you. Water damage between stacked units is the claim we see most in condos.
Where does the association's policy stop?
The master policy and your policy meet at a line written in the association's documents, and that line moves from building to building.
Townhome owners
Townhomes are often insured on a condo form even when the unit has its own roof and walls. Which form fits depends on what the association's policy covers.
HOA master-policy gaps
The master policy usually stops at a defined point inside your unit. We read it with you and set your limits to cover what falls to you.
Non-renewed, or having trouble finding coverage?
Send us the notice or tell us what's been declined. We read it with you, check the California-admitted carriers we represent for your address, and explain the FAIR Plan with a companion policy where that's the route — and what each does and does not cover.
Mon–Fri 8:30am–5:30pm PTClosed weekends
Get a free non-renewal review →- Free review
- We read the exclusions with you
- Independent agency
Not sure this is the one? Start with what happened.
A notice says your policy ends at the renewal date and the carrier will not continue it.
Your carrier told you it will not renew your California policy.
Your renewal arrived with a higher premium and no explanation of what changed.
Escrow needs proof of insurance before your loan can fund.
Your address scores as high wildfire risk and carriers decline it or price it as such.
Your renewal arrived and you want someone to look at it properly.
Why people move their policies here.
What it's like to have one agency for everything.
You'll know what's excluded before you sign
We go through what the policy does not pay for — water backup, roof settlement, ordinance and law, wildfire smoke limits — while you can still change it. Surprises belong before the claim, not after.
A named licensed agent who knows your whole file
Home, auto, business — it's all with the same office, and the licensed agent on your file remembers your last call. You never start over with a call center or re-explain your house at renewal.
Choices, explained side by side
We're an independent agency. We put several California-admitted carriers next to each other and show you the differences in writing, so the decision is yours to make.
Straight answers, in their words.
“If you are looking for a "Hands-on Agent" wish incredible integrity and risk evaluation skills, Michael is for sure your go to agency.”
“I am so happy with this insurance agency. I have been working with Tony Mercardo He is so helpful, honest and hand working. Along with a great personality. Everyone there seems in a cheerful mood when I call in. Which is so refreshing. I highly recommend. …”
“I highly recommend Mike. He is an awesome human being.”
What we can back up.
Independent agency
Choices from more than one company
Since 1981
Placing coverage in California
CA Lic. 0606906
Licensed throughout California
Licensed across California. Local to Orange County.
Anyone in California can call — we quote by phone and email and place policies statewide.
Orange County
- Yorba Linda
- Anaheim Hills
- Placentia
- Brea
- Fullerton
- Anaheim
- Orange
- Villa Park
- La Habra
- Buena Park
- Tustin
- Santa Ana
- Irvine
Los Angeles County
- Whittier
- La Mirada
- Diamond Bar
- Rowland Heights
- Walnut
San Bernardino County
- Chino Hills
Riverside County
- Corona
Need something alongside your condo policy?
Coverage for the structure, what's inside it, and your liability — quoted with California-admitted carriers.
Liability, collision, and uninsured motorist coverage written with California-admitted carriers.
Life insurance for the people who depend on your income, plus annuities, disability, and business life.
Individual and group medical, dental, and vision, including enrollment through Covered California.
Coverage for a property someone else lives in — the building, your liability, and the rent while it is being repaired.
Extra liability limit that sits above your home and auto policies once theirs run out.
Condo questions, answered plainly.
Doesn't the HOA master policy already cover my unit?+
How much loss assessment coverage should I carry?+
What if water from my unit damages the one below?+
Send us the master policy. We'll match the HO-6 to it.
A licensed producer reads the association's declarations, finds where its coverage stops, and quotes an HO-6 that fits the gap with California-admitted carriers.
- 1Call or send the form
- 2We read your current policy
- 3You see the options side by side
In insurance since 1981 Independent agency CA Lic. 0606906