Condo coverage built for what your HOA policy doesn't.
HO-6 policies that fill the gap between your unit and the building's master policy. Walls-in coverage, personal property, liability, and loss assessment for Fort Collins and NoCo condo owners.
- Walls-in dwelling coverage for everything inside your unit.
- Loss-assessment coverage when the HOA passes a special assessment.
- Personal liability that follows you on and off the property.
- Bundled discounts when paired with an auto policy.
2023 · 2024 · 2025
two states
of experience
Fort Collins, CO
What condo insurance actually pays for.
Thompson Insurance Agency provides condo insurance (HO-6 policies) for owners across Fort Collins, Loveland, Windsor, and the rest of Northern Colorado. A condo policy is different from a single-family home policy: the HOA master policy usually covers the building's exterior and common areas, but anything inside your unit - cabinets, flooring, fixtures, your stuff - is on you. We build HO-6 policies that fill that gap cleanly. Voted Top 3 in Northern Colorado three consecutive years (2023, 2024, 2025). Licensed in Colorado and Wyoming. To get a quote, call (970) 482-0078.
Five layers specific to a condo policy.
Each HO-6 policy is built around the gap left by your HOA's master policy. We'll walk through your HOA declarations and structure coverage around exactly what's not already covered.
Dwelling (walls-in)
HO-6 specificPays to rebuild everything from the wall studs in - flooring, cabinets, fixtures, built-ins, paint. The HOA master policy stops at the studs; this is the layer that finishes the job.
Personal Property
Your stuffFurniture, electronics, clothing, kitchen contents. Same RCV-vs-ACV decision as a homeowners policy - we almost always recommend RCV.
Personal Liability
Asset protectionPays if someone is hurt in your unit or you cause property damage elsewhere. Same logic as a homeowners policy - higher limits cost very little.
Loss Assessment
HOA exposureWhen the HOA passes a special assessment for a covered loss to the master policy (think: hail damage to roofs the master policy can't fully cover), this pays your share up to the policy limit.
Additional Living Expenses
Hotel + mealsIf your unit becomes uninhabitable, this covers hotel, meals, and additional living costs while repairs happen. Important: the HOA master policy typically does NOT pay this.
Why an HO-6 is not optional in Fort Collins.
Condo owners often assume the HOA master policy covers everything. It doesn't. Here are the three places we see the biggest gaps - all of them common in NoCo condo buildings.
The HOA stops at the studs.
Most master policies cover the building's exterior and common areas. Everything inside your unit - cabinets, countertops, flooring, fixtures, paint - is your responsibility. A kitchen fire or burst pipe inside the unit is on your HO-6 policy.
NoCo hail seasons trigger HOA assessments.
After a major hail event, HOAs frequently pass special assessments to fund roof and exterior repairs the master policy partially covers. Without loss-assessment coverage, you pay your share out of pocket - often thousands of dollars.
Liability follows the owner, not the unit.
If a guest slips on your floor or your dog bites the mailman, that's your personal liability - not the HOA's. An HO-6 keeps you covered the same way a homeowners policy would.
Questions we get a lot.
If your question isn't here, call us — we'd rather answer it on the phone than read about it in a help center.
Call (970) 482-0078Condo insurance in Fort Collins — get a quote.
Send us your HOA declarations page and the basics on your unit. We'll walk through what the master policy actually covers and structure an HO-6 around the gap. Most quotes back the same business day.
2108 Milestone Dr · Fort Collins, CO 80525