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Condominium Coverage & Maryland Rules
Your unit, your belongings and your share of the association’s deductible.
What does condominium insurance (HO-6) cover?
An HO-6 policy covers the parts of your unit the association does not insure, such as interior walls, flooring, cabinets and improvements, plus your belongings, loss of use, personal liability and loss assessments.
What is the difference between the master policy and my HO-6?
The association’s master policy covers the building and common elements. Your HO-6 covers what the master policy leaves to you under your bylaws, plus your personal property and liability. We read your documents to find the gap.
Can my condominium association charge me the master policy deductible?
Yes. Under Maryland law, when a covered loss starts in your unit, the council of unit owners can hold you responsible for its deductible up to $10,000. A law passed in 2026 raises that cap to $25,000 starting October 1, 2027.
Will Maryland require condominium owners to carry insurance?
Yes. Under the 2026 law, starting October 1, 2027 Maryland condominium owners must carry an HO-6 policy with at least $25,000 of loss assessment coverage, at least $25,000 of dwelling coverage and coverage for their share of the association deductible.
What is loss assessment coverage?
If the association charges all owners for a large loss or a deductible, loss assessment coverage on your HO-6 can pay your share. Many owners carry too little, so we review your limit against your association’s deductible.
How much dwelling coverage do I need on an HO-6?
It depends on whether your bylaws make the association insure the unit “bare walls” or “all in.” Bare walls means you cover interior finishes and fixtures, so you need a higher limit.
Is water damage from a neighbor’s unit covered?
Sudden water damage, like a burst pipe upstairs, is generally covered by the master policy and your HO-6 together. Backup of drains is usually an add-on, and the unit where the leak started may owe the association’s deductible.
Can I bundle my condominium and auto insurance?
Yes. Most insurance companies give a multi-policy discount, and bundling an HO-6 with auto is one of the easiest ways for condominium owners to save.
Costs, Claims & Special Situations
Renting, buying, improvements and getting the right quote.
How much does condominium insurance cost in Maryland?
HO-6 premiums are usually lower than homeowners insurance, but the price depends on your location, coverage limits, deductible, building age and claims history. Bundling with auto often lowers the cost.
Does my HO-6 cover upgrades I made to my unit?
Yes, if you carry enough dwelling coverage. Improvements and betterments like new flooring, cabinets or a remodeled bathroom are usually your responsibility, so update your limit after renovations.
Am I covered if I rent out my condominium?
A standard owner-occupied HO-6 may not fit a rented unit. Landlords usually need an HO-6 written for rental use, and tenants should carry their own renters insurance.
What does my lender need when I buy a condominium?
Lenders typically require proof of your HO-6 policy and a certificate of the association’s master policy. We can bind your HO-6 and help request the master policy evidence before closing.
Does my condominium policy cover liability if someone is hurt in my unit?
Yes. Personal liability on your HO-6 covers injuries to guests inside your unit and legal defense costs. Accidents in common areas usually fall under the association’s policy.
Is mold covered by condominium insurance?
Mold coverage is usually limited and only applies when it results from a sudden covered loss, like a burst pipe. Mold from long-term leaks or humidity is generally excluded.
Are my belongings in a storage unit or parking garage covered?
Personal property coverage usually extends to belongings stored away from your unit, sometimes with a lower limit. Your car itself is covered by your auto policy.
How do I get a condominium insurance quote?
Use our free quote form or call (301) 386-0900. It helps to have the insurance section of your bylaws and your association’s master policy deductible so we can match your coverage to your real exposure.
