Condo insurance for Northern Colorado owners.
For condo and townhome owners in Fort Collins and across Northern Colorado. An HO-6 policy covers your unit, your belongings, and your liability, filling the gap the building's master policy leaves open.
- Walls-in 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
- Bundle with auto for additional discounts
2023 · 2024 · 2025
two states
of experience
Fort Collins, CO
Coverage That Starts Where Your HOA Policy Stops
Your HOA's master policy takes care of the building. Everything that makes the unit yours, from the floors and cabinets to everything you've put inside, is where a condo policy takes over.
At the Thompson Insurance Agency, we build HO-6 policies around the gap the master policy leaves open, so you are never guessing about who covers what. We're a family-owned Fort Collins agency serving condo owners across Loveland, Windsor, and Northern Colorado since 1969, licensed in Colorado and Wyoming.
What your condo policy covers.
Every Thompson condo policy is built from these core coverages.
Dwelling Coverage (Walls-In)
Covers the interior of your unit, including flooring, cabinets, fixtures, and built-ins, where the HOA master policy leaves off.
Personal Property
Helps replace your furniture, electronics, clothing, and the rest of what you keep inside your unit.
Personal Liability
Provides financial protection if someone is injured in your unit or you're responsible for damage elsewhere.
Loss Assessment
Helps cover your share when the HOA passes a special assessment following a covered loss.
Additional Living Expenses
Helps cover lodging and meals if your unit becomes uninhabitable while repairs are made.
Where the master policy stops short.
Condo owners often assume the HOA master policy covers everything. It doesn't. These are the three gaps we see most often in Northern Colorado buildings.
The HOA stops at the studs.
Most master policies cover the building's exterior and common areas. Everything inside your unit, including cabinets, countertops, flooring, fixtures, and paint, is your responsibility. A kitchen fire or a burst pipe inside the unit falls to your condo policy.
Hail season triggers HOA assessments.
After a major hail event, HOAs frequently pass special assessments to fund roof and exterior repairs the master policy only partly covers. Without loss assessment coverage, your share comes out of pocket.
Liability follows the owner, not the unit.
If a guest is injured in your unit or your dog bites someone, that's your personal liability and not the HOA's. A condo policy keeps you protected 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) 482-5100Condo insurance in Fort Collins. Quote in minutes.
Send us your HOA declarations page and the basics on your unit. We'll walk through what the master policy actually covers and build the HO-6 around the gap. Most quotes come back the same business day.
2108 Milestone Dr · Fort Collins, CO 80525