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Built for California condo communities

Condo coverage designed for California living

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HOA Master Policy Gaps

We fill the gaps your HOA policy doesn’t cover

Personal Liability

Protection when someone’s injured in your unit

Upgrade Coverage

Coverage for improvements you’ve made to your unit

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About California Condo Insurance

California Condo Insurance believes in the power of community. We’re part of the neighborhoods we serve, understanding the unique needs of condo owners and HOA members across California statewide. Our team lives here, works here, and protects homes here — because when our community thrives, we all do.

California Insurance License #OB75129

California Condo Insurance | CA License #OB75129

825 South Barrington Avenue, Suite 200, Los Angeles, CA 90049

(877) 411-5200 | Mon–Fri, 9:00 AM – 5:00 PM PST

Frequently Asked Questions

What does condo insurance cover in California?

A California condo policy (HO-6) covers what your HOA's master policy doesn't: your personal property, interior walls and fixtures, loss assessment, and personal liability. The HOA master policy typically covers the building exterior and common areas, so the two are designed to fit together. Reviewing your HOA's CC&Rs tells you exactly where its coverage stops and yours needs to start.

Do I need earthquake insurance for my California condo?

It isn't required, but standard condo policies exclude earthquake damage entirely. Coverage is added through a separate policy, such as one from the California Earthquake Authority, and condo owners should also look at earthquake loss-assessment coverage in case the HOA passes repair costs to owners.

Is condo insurance required in California?

California law doesn't require it, but nearly all mortgage lenders do, and many HOAs require proof of an HO-6 policy. Even without those requirements, going without coverage leaves your belongings, interior, and personal liability unprotected.

How much condo insurance do I need?

Enough to rebuild your unit's interior, replace your belongings, and cover the loss-assessment limits suggested by your HOA documents. The right numbers depend on your unit and your association's master policy — an agent can review both. Call (877) 411-5200 for a walkthrough of your specific situation.

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