Condo Insurance
The association policy stops at the walls. This covers everything on your side of them.
What Is Condo Insurance?
Condo insurance (an HO-6 policy) covers your interior finishes, your belongings, your personal liability, and your share of certain association losses. The master policy your association carries typically covers the building envelope and common areas — where exactly it stops is spelled out in the association's governing documents, and that boundary is the whole reason this policy exists.
Why Condo Insurance Matters
Owners are routinely surprised to learn that cabinets, flooring, fixtures and built-ins are theirs to insure, not the association’s. Loss assessment coverage matters too: if the association takes a large loss and levies unit owners to cover the shortfall, that assessment is yours to pay unless your policy responds.
Who Needs Condo Insurance?
Anyone who owns a condominium or townhome governed by an association — whether you live in it or rent it out.
Coverage Highlights
- Interior walls, flooring, cabinetry and fixtures
- Personal property coverage
- Personal liability protection
- Loss assessment coverage
- Additional living expenses
Local Considerations
Benton County holds 136,217 housing units against a 67.0% owner-occupancy rate, and Bentonville itself is only 50.4% owner-occupied — a market with a lot of attached and rented housing stock. With the same 164 hail events and 167 thunderstorm wind events the county logged from 2015 to 2025, the practical question for condo owners is where the master policy’s wind and hail deductible lands and who absorbs it. That answer is in the association documents, and it is worth reading before renewal rather than after a storm.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Right-Size the Coverage
We look at limits, deductibles and exclusions against what you actually own — not just the cheapest number that clears the requirement.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Condo Insurance Quote
We'll go through your options in plain language — no obligation, no runaround.
Request a QuoteOther Coverage Options
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Condo Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.