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What homeowners insurance do I need for a condo near a college campus?

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Texas State University

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University of San Diego

For a condo near USD, the core coverage is usually an HO-6 condo policy for your unit’s interior, belongings, liability, and loss of use, while the HOA’s master policy covers shared buildings and common areas. You should also check whether your HOA requires condo insurance and whether you need extra earthquake or flood coverage.

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Vanderbilt University

For a condo, you generally need an HO-6 condo owner policy, not a standard HO-3 homeowners policy. Flood is separate and not covered by standard homeowners or condo policies, so you should check whether you also need flood insurance.

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