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Posted on 3/30/22 at 3:35 pm to Buddy the Tiger
quote:Is it a condo or a townhouse?
I am looking at a property over there and am wondering if I will need HO3 or HO6 insurance.
If its a condo and there's an HOA that's responsible for the insurance and maintenance of the building exterior and community common areas, you're looking for an HO-6. HO-6 is a condo unit owner policy and only insures the interior portion of your condo. HOA should be providing insurance for the exterior in this scenario.
If you're responsible for maintenance and insurance on the exterior, then you'd want an HO-3 (if owner occupied) or a DP-3 (if tenant occupied) since those policies would cover both interior and exterior.
This post was edited on 3/30/22 at 3:37 pm
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