- Condo Insurance Policy or HO-6 – It is very much like a homeowner’s insurance policy except in the way Dwelling coverage and Other Structures coverage insurance rates are calculated. Most of the time, the condo owner does not need other structures to be covered since he is only responsible for the condo unit he fully owns. HO-6 is also the same policy that covers townhouse owners. The policy covers loss or damage to property as a result of the 16 named perils specified in HO-1 and HO-2.
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