The master policy sets the starting line
Every association carries its own master policy.
HO-6
A condo owner is insured for whatever the association master policy does not cover — and almost nobody knows exactly where that line sits.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. An HO-6 condo policy covers what the association’s master policy does not: the unit’s interior, the owner’s personal property, liability within the unit and the owner’s share of a special assessment. Association bylaws and mortgage lenders usually require it before a condo purchase closes. Cennairus places it for unit owners: we shop it across the panel.
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A few fields — we shop it across the panel and come back with real terms. No obligation.
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Every association carries its own master policy.
Some master policies cover only the building's original structure; others extend to fixtures, cabinets and flooring.
A shared-roof loss or a judgment against the association can trigger a special assessment charged back to every owner — this is the claim condo owners actually.
Quoted alongside the rest of the household, on the same file and the same renewal date.
The association policy tells you where the unit owner exposure starts.
The special assessment is the claim condo owners actually face.
Quoted with the rest of the household in one file.
Who buys it: condo unit owners closing on a purchase; owners refinancing who need updated proof for the new lender; owners in a 'bare walls' association who need more interior coverage; owners of a second or vacation condo unit; association board members steering owners toward closing the master-policy gap; owners bundling the condo with personal auto and an umbrella.
The association's master policy has its own limits and its own gaps — the HO-6 is built to start exactly where that policy stops.
Some master policies cover only the unfinished structure.
When the association charges owners a special assessment after a shared loss or a liability judgment, this coverage responds to the owner's share of that charge.
Yes, or at minimum the bylaws' insurance clause — it is the one document that tells us where the unit owner's responsibility actually begins.
A rented unit usually needs a different, landlord-facing policy rather than an owner-occupied HO-6.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
