Massachusetts Condo Insurance

Protect the inside of your condo unit — from walls and flooring to appliances and personal belongings — with tailored HO-6 coverage. Oak Grove Insurance helps Massachusetts condo owners understand what the master policy doesn’t cover and fills in the gaps with expert, local guidance.

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Why Your Mortgage Lender (And Common Sense) Requires Condo Insurance

Your Condo Association has insurance coverage for the structure and shared spaces, but your unit's interior and your personal belongings may not be covered. A condo (HO-6) policy protects your investment from the drywall in.

Covers calls, floors, fixtures
Protects furniture, electronics, clothing
Includes liability coverage
Helps pay for housing if you can't stay in your unit
Optional: valuables, water backup

A wall of gray mailboxes for condo unit owners

What Does A Condo Policy Cover?

Interior Structures

Coverage for cabinets, walls, built-ins and flooring

Liability Protection

Covers legal costs for injuries or property damage to others

Personal Property

Coverage for personal belongings inside your unit

Optional Add-Ons

Upgrade coverage for valuables, scheduled items and water backup.

Trusted Condo Insurance for Massachusetts Unit Owners

Insurance discussion at the dining room table

Your condo association’s master policy doesn’t cover everything inside your unit. That’s where we come in. At Oak Grove Insurance, we specialize in HO-6 condo insurance for Massachusetts unit owners — helping you fill coverage gaps, protect your investment, and meet lender or HOA requirements. Our team makes it easy to get the right protection, with local support every step of the way.

Deep experience with Massachusetts condo associations and master insurance policy gaps
Customized HO-6 condo insurance from top-rated regional and national carriers
Personalized policy reviews for renovations, upgrades, and special coverage needs
Local support before, during, and after a claim — no bots, no phone trees

What Others Are Saying About Oak Grove Insurance

Frequently Asked Questions (FAQs) About Massachusetts Renters Insurance

Does my condo association's master policy cover everything inside my unit?

No, your condo association's master policy typically covers the building structure and common areas, but it does not cover your personal belongings or liability exposure. Most condo association master policies do not provide coverage for the interior finishes of your unit, such as the floors, the walls, the cabinetry, etc. An HO-6 condo insurance policy fills the gap, protecting your belongings and the portions of the unit that are your responsibility.

Is condo insurance required by law in Massachusetts?

Condo insurance is not required by Massachusetts state law, but most mortgage lenders and condo associations require proof of coverage before closing. Even when it's not required, we strongly recommend condo insurance to protect your investment and belongings.

Does condo insurance cover personal belongings like furniture and electronics?

Yes, the HO-6 condo insurance includes personal property coverage for things like furniture, electronics, clothing, and more. This applies to covered events like fire, theft, or water damage from burst pipes. You can also increase your limits or scheduled high-value items like jewelry or collectibles.

Am I covered if a pipe bursts and damages my neighbor's unit?

In most cases, yes. If a pipe inside your unit bursts and damages another unit, your liability coverage can help pay for the repairs and legal costs. However, approval of the claim depends on the source of the damage and the specific policy language,. That's why it's important to review both your policy and the condo association's master policy

Does condo insurance cover short-term rentals like Airbnb?

Standard condo insurance policies may exclude coverage when renting out the unit, including through Airbnb. If you rent out your unit, even occasionally, you may need an optional endorsement to add coverage. In some cases, you may need an entirely different policy. We'll help you explore the right coverage based on how often you rent and the type of rental.

Can I bundle condo insurance with my auto policy for a discount?

Yes, bundling your condo policy with your car insurance is one of the easiest ways to save. Many carriers offer a multi-policy discount, and managing both policies through one agency simplifies things. Oak Grove Insurance compares multiple top-rated insurers to help you get the best value.

How do I choose the right amount of coverage for my condo?

Choosing the right coverage depends on your unit's replacement value, upgrade history, and how much personal property you own. We'll help you:

Estimate the cost to rebuild your unit's interior
Review your condo association's master policy
Add optional coverage for valuables, loss assessment, or water backup.

Getting it right means no gaps and no overpaying for unneeded coverage.

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