HO-6 walls-in coverage that fills the exact gaps left by your association's master policy. We read your master before quoting — not after.
We compare these line by line across the panel — not just the bottom-line premium.
Coverage A on an HO-6 is for your unit's interior — drywall in, fixtures, cabinets, flooring, betterments.
Contents inside your unit. We'll run an inventory walk-through if you want help sizing it.
Your share of master-policy deductibles or claims the association passes through. Critical for older buildings.
Slip-and-fall, dog bite, water leak into the unit below. $300K – $500K standard.
Hotel + meals if your unit is uninhabitable during repairs.
HO-6 forms vary. We default to a special-form (open-perils) version unless cost is prohibitive.
A short list of the situations we write most. If you're not on the list, ask anyway — we shop the panel either way.
Specific to this line. Personal & commercial panels overlap but aren't identical.
If yours isn't here, call. Estefani picks up.
Because the master policy does most of the work. Your HO-6 covers walls-in only. Don't let a low premium make you under-insure betterments — finished kitchens and baths are yours, not the building's.
When the association's master policy has a deductible (sometimes $25K–$100K), they assess each unit-owner for their share. Loss assessment coverage on your HO-6 pays that bill. Easy to skip, painful to lack.
No. If you rent the unit (annually or short-term), you need a landlord/dwelling form. Tell us before listing — going uncovered while tenants live there voids most claims.
Some master policies cover original-build only. That means cabinets, flooring, fixtures you (or a previous owner) installed are YOUR problem. We'll size your HO-6 to actually rebuild your unit.
Independent. Bilingual. Bronx-based. We shop ten carriers so you don't have to. Hablamos español.
10 Carriers · 7 Lines · Bilingual
