Form No. 6 Condominium Unit Owner’s Form

What Does Form No. 6 Condominium Unit Owner’s Form Mean?

Form No. 6 (HO-6) is a type of homeowners insurance policy designed to provide coverage for the personal property of condominium unit owners or shareholders in a cooperative building. This policy may include coverage for items not covered by the condominium association’s insurance, as well as liability coverage and medical payments coverage.

Insuranceopedia Explains Form No. 6 Condominium Unit Owner’s Form

Although similar to HO-3, HO-6 does not provide as much coverage for real property, as it is intended to work in conjunction with the master policy of the condominium association. In addition to personal property, HO-6 generally provides coverage for the following:

1. Improvements and alterations: This includes built-in cabinets, appliances, interior dividers, or bookshelves.
2. Common areas: A portion of the hallway, sidewalk, or entrance.
3. Real property exclusively belonging to the condominium unit owner: This covers items such as upgraded doors and locks.
4. Structures off the premises: This includes a garage or shed owned by the insured that is located in another part of the building.