If you own a condo in Massachusetts, having the right condominium insurance is essential for protecting your home and your peace of mind. At The O’Brien Agency, we specialize in crafting custom condo insurance policies for unit owners across the greater Boston area and throughout Massachusetts – from Springfield to Cape Cod.
Unlike traditional homeowners insurance, condo insurance—also known as HO-6 insurance—is specifically designed to cover the unique needs of condominium living. While your condo association likely has a master policy to protect shared areas like the roof, exterior walls, and hallways, that coverage typically stops at your unit’s walls. It doesn’t protect your personal belongings, interior improvements, or liability inside your condo.What Does Condo Insurance Cover?
A well-designed HO-6 policy provides protection for:
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Interior walls, flooring, and fixtures (in cases where the master policy does not)
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Personal property like furniture, electronics, and clothing
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Loss of use, which helps with temporary living expenses if your condo becomes uninhabitable
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Personal liability, in case someone is injured in your unit or you accidentally damage someone else’s property
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Medical payments to others injured in your condo, regardless of fault
Why Choose The O’Brien Agency?
As a trusted independent insurance agency in Massachusetts, we work with multiple top-rated carriers to find you the best coverage at a competitive rate. We take the time to explain what’s covered under your condo association’s policy and what you need to insure personally—so there are no gaps in protection.
We also offer bundled discounts when you combine condo insurance with auto, umbrella, or life insurance policies.
Ready to safeguard your condo and everything in it? Contact The O’Brien Agency today for a free, no-obligation quote—and let our experienced team ensure your home is fully protected.