Condo Insurance
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//About Condo Insurance
Georgia Condo Insurance — Built Around the Gaps Your HOA Leaves Open
Your association's master policy covers the building. It was never designed to protect your unit, your belongings, or your financial exposure. The Foreman Agency reviews your specific HOA master policy and builds HO-6 coverage that closes the gap — precisely.
The Coverage Gap Most Georgia Condo Owners Never See Coming
Owning a condo in Atlanta, Marietta, Buckhead, Midtown, or anywhere across Georgia comes with a built-in insurance misunderstanding — one that costs owners thousands of dollars when a real claim happens. Your HOA dues fund a master insurance policy. That policy covers the building exterior, the structure, and common areas. What it does not cover is what makes your unit your home: your interior finishes, your appliances, your furniture and electronics, your personal liability if someone is injured inside your unit, and your living expenses if a fire or water event makes your unit uninhabitable. That gap — between what your HOA covers and what you actually own and owe — is your HO-6 exposure. Most Georgia condo owners have never had an agent walk them through exactly where their HOA master policy stops and their personal exposure begins. That is the conversation we have with every condo client before we write a single line of coverage.
// What We Cover
HOA Master Policy vs. Your HO-6
— The Coverage Map
| Coverage Area | HOA Master Policy | Your HO-6 Policy |
|---|---|---|
| Building exterior and structure | ✓ Covered | Not needed |
| Common areas and hallways | ✓ Covered | Not needed |
| Interior walls, floors, ceilings | Depends on policy type | ✓ Fills the gap |
| Kitchen and bathroom fixtures | Bare walls: Not covered | ✓ Covered |
| Your improvements and upgrades | Usually not covered | ✓ Covered |
| Furniture, electronics, clothing | Not covered | ✓ Covered |
| Personal liability in your unit | Not covered | ✓ Covered |
| Loss of use / temporary housing | Not covered | ✓ Covered |
| HOA special assessments | Not covered | ✓ Loss assessment coverage |
// What We Cover
Five Coverages Every Georgia
Condo Owner Should Carry
Understanding Your HOA's
Master Policy Type
Not all HOA master policies are the same — and which type your association carries determines precisely what your HO-6 policy needs to provide. There are three types operating in Georgia's condo market, and most owners have never been told which one they're living under.
// Program Benefits
Bundle Your Condo and Auto —
Complete Coverage, One Agency
// FAQ
Georgia Condo Insurance —
Frequently Asked Questions
No. Your HOA master policy covers the building and common areas only. It does not cover your furniture, electronics, clothing, appliances, personal liability, or living expenses if your unit is damaged. Your HO-6 policy covers all of these. The two policies are designed to work together — not substitute for each other.
Most Georgia condo owners pay between $25 and $60 per month for solid HO-6 coverage. The exact premium depends on your unit's location, your coverage limits, your deductible, and your claims history. Bundle with your auto insurance and you'll typically qualify for meaningful multi-policy savings. Call us for a personalized quote specific to your unit and your HOA.
Loss assessment coverage pays your share when your HOA levies a special assessment after a major loss exceeds the master policy limits. For example: a fire damages a building common area, repair costs exceed the HOA's coverage, and each owner is billed $8,000. Loss assessment coverage handles your share. For Georgia condo owners in mid-size and larger communities, this is consistently one of the highest-value additions to any HO-6 policy.
Many Georgia HOAs require a minimum HO-6 policy as a condition of ownership. We satisfy your HOA's specific requirements and ensure you have coverage that genuinely protects you — not just a policy that clears a compliance checkbox. Bring your HOA's insurance addendum to our conversation and we'll build a policy around it.
// Testimonial
What Georgia Clients Say
About The Foreman Agency
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