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Insurance & Protection · Property & Casualty

Condo Insurance (HO-6) Calculator

Short answer: What does the Condo Insurance (HO-6) Calculator calculate?

The Condo Insurance (HO-6) Calculator works out total recommended HO-6 coverage, dwelling / building property (Coverage A) and personal property (Coverage C). Work out the HO-6 coverage a condo owner needs based on what the association's master policy covers. It uses US rules and USD, and it is free to use on this page.

Updated · Applies to the United States (US rules, USD)

  • Free to use here · embed on the Business plan
  • 7 inputs · 5 results
  • Works in 6 languages
  • Uses US rules and USD

Try the Condo Insurance (HO-6) Calculator

See the coverage your unit needs — results update as you type.

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Theme
Mode

Ledger · Free on every plan · The classic CalcFunnel card: gradient results header, clean panels.

Loads from app.calcfunnel.com when you scroll here.

Estimates only — not a loan offer or financial advice. Switch theme and light/dark above to see how it could look on your site.

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What this calculator does

What the Condo Insurance (HO-6) calculator works out

The Condo Insurance (HO-6) Calculator is a free, embeddable calculator from CalcFunnel. Work out the HO-6 coverage a condo owner needs based on what the association's master policy covers.

You enter 7 inputs: master policy type, cost to rebuild interior finishes, upgrades & improvements, personal belongings, possible loss assessment, extra housing cost if displaced (monthly) and months displaced.

It returns total recommended HO-6 coverage, dwelling / building property (Coverage A), personal property (Coverage C), loss assessment and loss of use (Coverage D).

Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.

Results it shows

  1. 01Total Recommended HO-6 Coverage
  2. 02Dwelling / Building Property (Coverage A)
  3. 03Personal Property (Coverage C)
  4. 04Loss Assessment
  5. 05Loss of Use (Coverage D)

The first figure — total recommended ho-6 coverage — is the headline result.

Inputs

What you can change

Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 5 results update as they type.

Master Policy & Unit

Master Policy Type
What the association's master policy covers inside your unit. Find it in the HOA's insurance certificate or bylaws.Options: Bare walls (studs out) · Single entity (original fixtures) · All-in (includes improvements)
Cost to Rebuild Interior Finishes
Drywall, flooring, cabinets, built-in appliances, plumbing and electrical fixtures as originally built. Only counted for bare walls master policies.
Upgrades & Improvements
Renovations added after the unit was built — new kitchen, bathroom, flooring — by you or earlier owners. Not counted for all-in master policies.

Belongings & Assessments

Personal Belongings
The cost to replace your furniture, clothing, electronics and other belongings.
Possible Loss Assessment
Your possible share of the master policy deductible or a special assessment after a covered loss to common areas. Ask the association what the master deductible is and how it is shared.
Extra Housing Cost if Displaced (monthly)
Rent or hotel costs plus other extra expenses while the unit is being repaired. HOA dues and the mortgage usually continue.
Months Displaced
How long repairs might take. Repairs to a whole building after a fire can take many months.

Definitions

Condo Insurance (HO-6) terms, defined

The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.

HO-6 policy
The homeowners policy form for condominium unit owners. It covers the parts of the unit the association does not insure, your belongings, loss assessments, additional living expenses and personal liability. The right amount depends on the association's master policy.
Master policy
The association's insurance on the building and common areas. Bare walls policies cover only the structure; single entity policies also cover the unit's original fixtures and finishes; all-in policies also cover owner improvements. The type determines how much dwelling coverage you need.
Dwelling coverage (Coverage A) for condos
In an HO-6 policy, Coverage A insures the parts of the unit you are responsible for under the bylaws: everything from the drywall in for bare walls policies, or improvements and betterments for single entity policies.
Improvements and betterments
Upgrades made after the unit was built, such as new cabinets, countertops, flooring or bathroom remodels. Under many master policies they are the owner's responsibility, even if a previous owner made them.
Loss assessment coverage
Pays your share when the association charges owners for a covered loss to common property, such as the master policy deductible after a storm. Master deductibles can be large, especially percentage wind or hurricane deductibles, so check yours.
Loss of use (Coverage D)
Pays extra living costs while your unit cannot be lived in after a covered loss, including when damage elsewhere in the building forces you out. Your mortgage and HOA dues usually continue during repairs.
Personal liability
Covers injuries to guests in your unit and damage you cause to other units, such as a leak from your washing machine. The master policy generally covers liability in common areas, not inside your unit.

For your website

How it looks on your site

Put the Condo Insurance (HO-6) Calculator on your own site with your colors, copy and lead form, in whichever of these five ways suits the page. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

  • Inline, without an iframe

    Paste the snippet where the Condo Insurance (HO-6) Calculator should appear. It renders into your page, fills the width of its container and grows to fit.

    Best for: Landing pages, blog posts, calculator pages

  • Popup button

    A button sits on your page; one click opens the calculator in a popup over it.

    Best for: Pricing sections, hero areas, listings

  • Floating corner widget

    Paste once (or in your site-wide footer code) for a floating bubble in the corner of every page.

    Best for: Site-wide, always one click away

  • Your own link or button

    Give any existing link, button or image a class and it opens the calculator when clicked.

    Best for: Menus, images, in-text links

  • Direct link

    A full-page link to the calculator for emails, social posts, QR codes or a menu item.

    Best for: Email, social, print, QR codes

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Widgets

Use it in a widget

Group the Condo Insurance (HO-6) Calculator with up to 11 other calculators in one widget: a floating launcher, tabs, a row of buttons or a card grid. Widgets per plan: Free 1, Pro 10, Business unlimited.

  • Floating launcher widget, Classic bubble design: Round launcher with a soft pulse and a clean list.

    Floating launcher

    A bubble in the corner of every page opens a menu of your calculators.

    6 ready-made designs

  • Tabs widget, Underline design: Text tabs with an animated underline.

    Tabs

    Calculators side by side in one block on the page, switched with tabs.

    6 ready-made designs

  • Buttons widget, Solid design: Filled buttons in your brand color.

    Buttons

    A row of buttons; each one opens its calculator in a popup.

    6 ready-made designs

  • Cards grid widget, Elevated design: White cards with a soft shadow and lift.

    Cards grid

    A grid of cards with an icon and a short blurb; click to open the calculator.

    6 ready-made designs

See every widget design

FAQ

Condo Insurance (HO-6) calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Condo Insurance (HO-6) Calculator calculate?
Work out the HO-6 coverage a condo owner needs based on what the association's master policy covers. It returns total recommended HO-6 coverage, dwelling / building property (Coverage A), personal property (Coverage C), loss assessment and loss of use (Coverage D).
Q.02What information do I need to use the Condo Insurance (HO-6) Calculator?
You enter 7 inputs: master policy type, cost to rebuild interior finishes, upgrades & improvements, personal belongings, possible loss assessment, extra housing cost if displaced (monthly) and months displaced. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Master Policy Type” mean in the Condo Insurance (HO-6) Calculator?
What the association's master policy covers inside your unit. Find it in the HOA's insurance certificate or bylaws.
Q.04What does “Cost to Rebuild Interior Finishes” mean in the Condo Insurance (HO-6) Calculator?
Drywall, flooring, cabinets, built-in appliances, plumbing and electrical fixtures as originally built. Only counted for bare walls master policies.
Q.05Is the Condo Insurance (HO-6) Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Condo Insurance (HO-6) Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the Condo Insurance (HO-6) Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the Condo Insurance (HO-6) Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the Condo Insurance (HO-6) results financial advice?
No. Estimates only. What you need depends on the exact wording of your association's master policy and bylaws, which this calculator cannot read; the three master policy types are simplified. Values are what you enter, and no premium is estimated. Some states and associations require minimum unit-owner coverage, and loss assessment coverage may have limits on what it pays toward a master deductible. Read your HOA documents and consult a licensed insurance professional.

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