Condo Insurance in Huntington Beach, CA

Home to almost-always-perfect weather, 40+ miles of scenic coastline, and an eclectic mix of suburban and urban communities, it’s no surprise that Huntington Beach in Orange County is one of the most highly sought-after places to live in Southern California.

It’s also one of the costliest housing markets in the entire country.

So whether you own a condominium in Orange County or you’re looking to buy, chances are it’s one of your biggest and most important investments. And when it comes to your biggest investment, you simply can’t afford to skimp on insurance.

It’s natural to wonder whether condo insurance is truly necessary. In fact, we hear it from our condo clients all the time. As your trusted insurance advisors with 30+ years of industry experience, we’re here to tell you it’s a crucial protection for any savvy homeowner. But before you decide to buy a condo policy, it's important to understand how it works.

Condo Insurance 101: Understanding the Basics

When you own a house, you own everything –– the foundation, the walls, the roof, and even the land it sits on. When you own a condo, however, you are only responsible for the space within your walls; your HOA’s master policy traditionally insures everything else. But we’ll dive more into that topic in just a minute.

Condo insurance, sometimes called "walls-in" coverage or HO-6 insurance, helps protect you and your family, your individual unit, and your belongings in the event of a sudden and accidental loss.

Basic coverage for an individual condo policy breaks down into five main categories:

Building property protection

Arguably the most important coverage when it comes to condo insurance, it helps to rebuild in-unit structures, including cabinetry, countertops, flooring, window coverings, and more

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Personal property coverage

Protects your belongings (e.g. clothing, TV, furniture, bedding, etc.) on either an actual cash value or replacement cost basis

Liability coverage

Safeguards you and your family in the event you’re found legally responsible for injuries or damages to another party

Additional living expenses

Can help by reimbursing you for any increased costs incurred as a result of your condo being inhabitable, such as the cost of lodging, food, and various other expenses

Guest medical expense coverage

Provides payment for injuries sustained to other persons while on your premises

There is also the option to add additional coverages to a condo policy, some of which include scheduled personal property, loss assessment, identity theft, and building code upgrades.

Renting a condo in Orange County? Ask us about a renters insurance policy instead.

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What Does My Condo Policy Cover?


Condo insurance covers a breadth of sudden and accidental incidents. However, there are also a handful of situations that an individual policy does not protect against. While the following is not an exhaustive list, these are the typical covered / uncovered losses you can expect from an HO-6 insurance policy:

  • Theft
  • Vandalism
  • Fire and smoke
  • Wind and hail
  • Lightning
  • Falling objects
  • Sudden and immediate water damage
*Exceptions apply

  • Mechanical breakdowns
  • Flood
  • Earthquake
  • Water damage due to long-term causes such as slow leaks or sewage backup

The 4 Most Common Questions We Get About Condo Insurance

My condo association already has a master policy. Why do I need a separate policy?

Most master policies only cover the structure of the building and common areas. While this type of policy usually pays to replace your walls and / or roof in the event of a covered loss, it will not cover and replace the inside features of your individual unit. As the owner, it is your sole responsibility to make sure your fixtures, alterations, and / or personal belongings are properly insured.

My condo association has been sued due to an injury on common areas. How does this impact me?

In the event your master policy has insufficient limits to pay for the person’s injury, loss assessment coverage can help offset your individual responsibility.

I’m renting a condo in Orange County. Do I need an HO-6 insurance policy?

No. If you are renting any type of residence, you would be covered under a renters insurance policy.

How much does a condo insurance typically policy cost?

Condo insurance in California varies, but can be secured for as little as $1 per day. Keep in mind that protecting what matters most to you is unique to you, which is why we encourage you to contact our office so we can design a policy that best suits your needs.

  • Love to save? (We thought so!)

    • When you bundle your condo policy with your auto policy, you'll automatically receive a multi-policy discount.

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