Condo Insurance for Vermont Unit Owners
A clear HO-6 overview for Vermont
Condo insurance made simple
Condo insurance in Vermont is written as an HO-6 policy for unit owners. It covers the parts of your home you are responsible for inside the four walls, your personal belongings, your personal liability, and extra living costs if a covered loss makes your unit unlivable. Your association's master policy handles the building and shared areas, while your HO-6 fills the gaps inside your unit. Hull Insurance Agency will
review your bylaws so your condo coverage lines up with the master policy.
What your HO-6 can include
Walls-in, finishes, and upgrades
Interior coverage can include drywall, paint, flooring, cabinets, built-ins, and any improvements you've made. What you need depends on whether your HOA has an all-in or bare-walls master policy. We'll compare the master policy language with your deeds and set a proper building limit so you are not left short after a claim. This is one of the most common gaps we fix for Vermont condo owners.
Personal property protection
Furniture, electronics, clothing, and gear at home are covered up to your chosen limit, with off-premises protection for many items that travel with you. We can discuss replacement cost coverage so you are paid for new items of like kind and quality. Sub-limits apply to jewelry, bikes, and collectibles, and scheduled coverage can raise protection where needed. Hull Insurance will help you inventory your belongings so limits match real life.
Personal liability and medical payments
If a covered claim makes your condo uninhabitable, additional living expense can help pay for a hotel or temporary apartment while repairs are made. We will explain how limits work and what documentation to keep during a claim.
Smart add-ons Vermont owners ask about
Loss assessment coverage can help if your HOA issues a per-unit assessment to cover a covered building claim or a large deductible. Water or sewer backup and equipment breakdown endorsements are often available and affordable. We will tailor these options based on your building and bylaws.
Vermont scenarios we see often
Burst pipe in a St. Albans condo
Interior water damage to floors and cabinets often falls to the unit owner's HO-6. We coordinate with the master policy to avoid overlap, then guide you through the claim.
Association deductible assessments
Many master policies carry high deductibles. Loss assessment coverage on your HO-6 can help with your share after a covered building claim. We'll confirm your HOA limit and set your assessment coverage to match typical deductibles.
Seasonal living and winter heat
If you travel or spend time at a camp, keep heat on and pipes protected during cold snaps in Franklin and Lamoille Counties. We will review vacancy or unoccupancy rules so your coverage stays on solid footing.
How much condo insurance do I need
Right limits start with the paperwork
We'll read your association documents, measure finishes, and help you set building coverage that truly fits your unit. Together we will inventory personal property and discuss higher limits or schedules for jewelry, bikes, and collectibles. With Hull Insurance Agency, your condo policy reflects your home as it sits today, not a one-size default.
Answers for Vermont condo owners
Is HO-6 required if my HOA already has insurance
Most lenders require unit owners to carry HO-6 coverage, and the master policy does not cover your walls-in finishes or personal belongings. An HO-6 complements the master policy, not replaces it. We'll match your coverage to the HOA documents so there are no surprises at claim time.
What is loss assessment coverage
It helps when your association assesses owners for a covered claim that affects common property or when a large master policy deductible is shared across units. We will align your assessment limit with your HOA's deductible and bylaws. It is a small cost that can make a big difference.
Will my policy cover belongings stolen from my car
Personal property coverage often extends off-premises up to stated limits, even if theft occurs from your locked vehicle. We'll explain limits, deductibles, and how to document items. Higher-value items may need scheduling.
Do I need flood insurance for my condo
Standard HO-6 policies do not cover flood. If your building is near the Missisquoi River, Lake Carmi, or Lake Memphremagog, we can add separate flood coverage for your unit's contents and improvements.
Ready to get covered
Local help from neighbors who know condos
Whether you live in Enosburg Falls, St. Albans, Milton, or down by the lake,
Hull Insurance Agency is here to help you choose the right condo insurance. Stop by Pearl Street or call for a quick quote and a walkthrough of your HOA documents.
