Condo Insurance in Indiana (HO-6)
Local Indy guidance—statewide support for condo owners
Your condo’s HOA master policy helps protect the building and common areas—but your unit’s interior and your belongings are on you. That’s where an HO-6 policy comes in. AOG Group | Allstate, based in Indianapolis and serving all of Indiana, makes it easy to match coverage to your unit, your lifestyle, and your budget—with friendly, licensed agents who explain everything in plain English.
How condo insurance works with your HOA master policy
Not all master policies are the same. Some are “all-in” (covering most fixtures) while others are “walls-in”/“bare-walls” (leaving you responsible for finishes like flooring, cabinetry, built-ins, and appliances). We’ll review your bylaws and declarations to pinpoint what’s yours to insure—and right-size your HO-6 accordingly.
What an HO-6 policy typically covers
- Building Property (Improvements & Betterments): Interior finishes you’re responsible for—flooring, cabinets, fixtures, drywall, and upgrades.
- Personal Property: Your furniture, clothing, electronics, décor, and more—on and off premises, up to policy limits.
- Loss of Use/Additional Living Expenses: Extra costs if a covered claim makes your unit uninhabitable (hotel, meals, etc.).
- Personal Liability: Helps protect your finances if someone is injured or property is damaged and you’re legally responsible.
- Guest Medical Payments: Medical costs for guests injured in your unit, up to limits—often paid regardless of fault.
- Loss Assessment: Helps with your share of certain covered losses or deductibles assessed by the HOA (subject to limits and policy language).
Coverage, limits, deductibles, and availability vary by state and policy form. We’ll walk you through the details for your building.
Popular add-ons for Indiana condo owners
- Water Backup: Helps cover damage from backed-up drains or sump overflows.
- Scheduled Personal Property: Extra protection for jewelry, art, collectibles, or high-value electronics.
- Unit-Owner Special Coverage Options: Higher limits for improvements and betterments or ordinance/law upgrades (where available).
Ways to save
We’ll check for savings opportunities that fit your situation, such as:
- Multi-policy bundling (condo + auto, etc.)
- Protective devices (monitored alarms, smart smoke detectors)
- Claim-free history
- Responsible payment history
- Higher deductibles you’re comfortable with
Who we serve
From downtown Indianapolis (Mass Ave, Broad Ripple, Fountain Square) to Carmel, Fishers, Zionsville, Noblesville, Westfield, Greenwood, and condo communities across Fort Wayne, Evansville, Bloomington, Lafayette, Muncie, South Bend, and beyond—AOG Group | Allstate supports condo owners throughout Indiana.
Our simple process
- HOA review & quote: Share your HOA docs (declarations/bylaws). We’ll identify what the master policy covers vs. what you need.
- Customize your plan: Choose coverage levels and options (loss assessment, water backup, scheduled items).
- Bind confidently: We’ll finalize your policy and provide proof of insurance for your lender or HOA.
- Annual check-ins: As your unit or HOA rules change, we keep coverage aligned.
FAQs
Do I need condo insurance if my HOA has a master policy?
Yes. The master policy typically covers the building and common areas. Your HO-6 helps protect your unit’s interior, belongings, and liability.
How much “building property” coverage do I need?
We’ll estimate costs to restore your interiors (cabinets, counters, flooring, fixtures) to like kind and quality—especially important if you’ve upgraded finishes.
What is Loss Assessment coverage?
If the HOA assesses owners to cover part of a covered loss or a master policy deductible, Loss Assessment can help—up to the limit and under policy terms.
Is wind and hail covered—and what about my windows/roof?
Wind and hail are commonly covered causes of loss, but coverage specifics and deductibles can vary by building and policy. We’ll review your options.
Does an HO-6 cover short-term rentals?
Many policies have restrictions for short-term or long-term rentals. Tell us how you use the unit—owner-occupied, occasional rental, or investment—so we can tailor coverage.
Are floods or earthquakes covered?
Standard condo policies don’t cover flood or earthquake. If your risk warrants it, we can explore separate policies or endorsements where available.
Ready to protect your condo—clearly and confidently?
Let’s make sure your walls-in coverage fits your real life (and your HOA). Request a free HO-6 quote from AOG Group | Allstate in Indianapolis—serving condo owners across Indiana.
Disclosures: Product features, discounts, and availability vary by state and policy form. Terms, limits, conditions, and exclusions apply. Coverage subject to policy language. We’ll review specifics with you before you buy.
