Condo Insurance in Massachusetts
Boston’s condo market ranges from triple-deckers in Dorchester to high-rise units downtown—and each building has different master policy rules. Vargas & Vargas Insurance helps Massachusetts condo owners align HO-6 coverage with their association’s bylaws, protecting interior finishes, belongings, liability, loss of use, and loss assessments.
Massachusetts Condo Coverage Made Easy
We review your condo documents, determine “all-in” vs. “bare walls,” and tailor dwelling and personal property limits accordingly. Our Dorchester team explains assessments, deductibles, and special gaps like water backup—so you understand what’s yours vs. the association’s.
Understanding Coverage & Smart Add-Ons
Dwelling/Improvements (Walls-In)
Covers interior build-out: floors, cabinets, fixtures, and upgrades that aren’t under the master policy.
Personal Property
Protects your belongings—furniture, clothing, electronics—often with replacement cost options.
Personal Liability
Responds to injuries or property damage you’re legally responsible for, inside or just outside your unit.
Loss of Use (Additional Living Expense)
Pays for temporary housing if a covered loss makes your home uninhabitable.
Loss Assessment
Helps cover certain special assessments levied by the association after a covered loss.
Water Backup & Sump Overflow
Adds protection for damage from backed-up drains or sump failures—crucial for garden-level units.
Equipment Breakdown
Covers sudden failure of systems like HVAC or appliances, subject to policy terms.
Scheduled Personal Property
Higher limits and broader perils for jewelry, art, instruments, or collectibles.
Identity Fraud Expense
Assists with certain costs after an identity theft incident.
Why Work with an Independent Agent for HO-6?
Every association is different. Vargas & Vargas Insurance translates your bylaws into a coverage plan, then shops multiple carriers to balance price and protection—so your condo coverage actually matches your building.
Special Considerations for Boston-Area Condos
Older plumbing, shared walls, and elevator or roof assessments can affect coverage. We’ll right-size limits and endorsements for your address and floor level.
Frequently Asked Questions About Massachusetts Condo Insurance
Does my HOA master policy cover my unit interior?
Sometimes partially. We’ll read your documents and set “walls-in” limits so your cabinets, floors, and finishes are protected.
What is loss assessment coverage?
It helps pay your share of certain covered assessments (like a high master policy deductible) after building claims.
Do I need flood insurance in a high-rise?
Flood is excluded on HO-6. Lower floors and garage-level storage may warrant separate flood coverage; we’ll evaluate your risk.
Are roommates covered on my policy?
Not automatically. Each non-related roommate should have their own policy unless the carrier allows otherwise.
Can I bundle condo and auto?
Yes—bundling often yields significant savings and simplifies billing.
Let’s Get Your Condo Coverage Right
Share your bylaws and a quick inventory of improvements—Vargas & Vargas Insurance will tailor your HO-6 to your building and your budget.