Protect Your Condo with the Right HO-6 Insurance Policy
Owning a condo in Los Angeles, California is an exciting investment, whether you’re in Downtown LA, Santa Monica, Pasadena, Glendale, Long Beach, Culver City, West Hollywood, or the San Fernando Valley. While your HOA provides insurance for the building, it does not protect everything inside your unit.
That’s where HO-6 Condo Insurance comes in.
At Starwest Insurance Services, we’ve helped California homeowners protect their homes since 1995. As an independent insurance agency, we compare multiple top-rated insurance companies to help you find the right coverage at a competitive price.
Does My HOA Insurance Cover Everything?
No.
One of the biggest misconceptions among condo owners is that the HOA’s master policy covers everything. In reality, most HOA policies only insure the building and common areas.
You are often responsible for insuring:
- Interior walls
- Flooring
- Cabinets
- Countertops
- Plumbing fixtures
- Electrical fixtures
- Built-in appliances
- Personal belongings
- Personal liability
- Additional living expenses
Because every HOA is different, it’s important to review your HOA’s master policy so your condo insurance fills any coverage gaps.
What Does Condo Insurance Cover?
🏠 Building Property Coverage
Your HO-6 policy helps pay to repair or replace the parts of your unit that you’re responsible for, including:
- Hardwood or tile flooring
- Kitchen cabinets
- Countertops
- Bathroom upgrades
- Interior paint
- Light fixtures
- Built-in appliances
The amount of building coverage you need depends on your HOA’s master policy.
📦 Personal Property Coverage
Protects your belongings from covered losses, including:
- Furniture
- Clothing
- Electronics
- Computers
- Televisions
- Kitchen appliances
- Sports equipment
- Home office equipment
Replacement Cost Coverage is available, helping replace damaged items with new ones of similar quality instead of paying depreciated value.
⚖️ Personal Liability Protection
If someone is injured in your condo or you accidentally damage another person’s property, liability coverage can help pay for:
- Legal defense costs
- Medical expenses
- Court judgments
- Settlements
Many Los Angeles condo owners choose $300,000 to $500,000 in liability coverage, while higher-net-worth individuals often add an umbrella policy for additional protection.
🏨 Loss of Use Coverage
If a covered claim makes your condo uninhabitable, your policy can help pay for:
- Hotel stays
- Temporary housing
- Restaurant meals (when applicable)
- Other additional living expenses
💧 Water Damage Coverage
Water damage is one of the most common condo insurance claims.
Coverage may include:
- Burst pipes
- Accidental plumbing leaks
- Water damage from appliances
Water backup coverage is often available as an optional endorsement, while flood insurance must be purchased separately.
🏢 Loss Assessment Coverage
If your HOA assesses owners after a covered loss that exceeds the association’s insurance limits, your condo policy may help cover your share of the assessment.
This is an important but often overlooked benefit.
Earthquake Insurance for Los Angeles Condos
Living in Southern California means earthquakes are a real concern.
A standard HO-6 policy does not cover earthquake damage.
If you own a condo in Los Angeles, consider adding California Earthquake Authority (CEA) coverage or another earthquake policy to help protect your investment.
Condo Insurance for Rental Units
If you rent your condo to tenants, you’ll likely need a landlord condo policy rather than an owner-occupied HO-6 policy.
Landlord condo insurance can include:
- Building improvements
- Landlord liability
- Loss of rental income
- Property damage protection
We’ll help determine which policy best fits your situation.
Bundle and Save
Many condo owners save money by bundling their policies.
Bundle your condo insurance with:
- Auto Insurance
- Umbrella Insurance
- Motorcycle Insurance
- RV Insurance
- Life Insurance
Bundling often provides discounts and simplifies your insurance with one agency.
Why Choose Starwest Insurance Services?
For more than 30 years, we’ve helped California homeowners find the right insurance protection at competitive rates.
Why clients choose us:
✅ Independent Insurance Agency
✅ Compare Multiple Top-Rated Insurance Companies
✅ Fast Quotes
✅ HOA & Condo Insurance Specialists
✅ Earthquake Insurance Options
✅ California FAIR Plan Solutions (when needed)
✅ No Broker Fees Since 1995
We take the time to explain your coverage, compare multiple carriers, and help ensure you’re properly protected.
Serving Condo Owners Throughout Los Angeles County
We proudly serve clients in:
- Los Angeles
- Santa Monica
- Beverly Hills
- West Hollywood
- Culver City
- Pasadena
- Glendale
- Burbank
- Long Beach
- Torrance
- Redondo Beach
- Manhattan Beach
- Marina del Rey
- Sherman Oaks
- Studio City
- Woodland Hills
- Encino
- North Hollywood
- San Pedro
- And throughout California
Get a Free Condo Insurance Quote Today
Whether you’re purchasing your first condo, refinancing, switching insurance companies, or reviewing your current policy, our experienced team is here to help.
We’ll compare multiple insurance companies to find the right combination of coverage, service, and value.
Contact Starwest Insurance Services
Starwest Insurance Services
Starwest Insurance Services, LLC
📍 13752 Goldenwest St., Westminster, CA 92683
📞 Office: (714) 893-7271
📱 Call or Text: (714) 231-0897
📧 Email: jb@starwestinsurance.com
🌐 Website: www.starwestinsurance.com
CA License #0B83846