Compare Condo (HO-6) Insurance for Auburn Hills Unit Owners
Your association’s master policy protects the building and common areas—but not everything inside your home. We size your “walls-in” Coverage A, add Loss Assessment, Water Backup, Ordinance or Law, and the right personal liability so you’re protected in Auburn Hills’ unique housing landscape.
Why HO-6 Matters in Auburn Hills
Condo ownership splits responsibility between the association (for the building and common elements) and you (for the interior and your belongings). Auburn Hills’ mix of suburban developments and established communities means master policies and bylaws aren’t uniform—some are bare-walls, others are all-in. Your HO-6 fills what the master policy doesn’t, covering your unit’s interior, upgrades, personal property, and liability.
Local considerations: Michigan’s weather, including heavy snow and potential flooding, increases water-damage and code-upgrade exposure; many associations use higher deductibles, making loss assessment limits important. If your unit is basement level or below grade, water backup becomes especially valuable.
Step 1: Identify Your Master Policy Type
| Master Policy Type | What It Usually Covers | Your HO-6 Should Emphasize |
|---|---|---|
| Bare-Walls / Studs-Out | Structure and common elements up to the unfinished interior surface | Higher Coverage A (walls-in) for drywall, flooring, cabinets, built-ins, fixtures; betterments and improvements |
| All-In / Single-Entity | Structure, common elements, and standard interior finishes originally provided | Upgrades beyond original specs, personal property, loss assessment, and water backup |
| Modified All-In | All-in with carve-outs (e.g., interior glass, fixtures) | Targeted walls-in for carved-out items + loss assessment |
Bring your master policy certificate and the insurance section of the bylaws/master deed. We’ll read the definitions with you and tailor Coverage A precisely.
Step 2: Build the Right HO-6 Package
Walls-In (Coverage A)
- Drywall, paint, flooring, built-ins, cabinets, countertops
- Fixtures (sinks, tubs, lighting), interior doors and trim
- Betterments and improvements above “builder grade”
Personal Property (Coverage C)
- Furniture, clothing, electronics—choose RC or ACV
- Schedule jewelry/fine arts; consider special sub-limits
- Off-premises protection for items temporarily away
Loss of Use (ALE)
- Temporary housing and extra living costs after a covered loss
- Crucial if damage in a neighboring unit affects yours
Personal Liability and MedPay
- $300k–$1M typical; consider a Personal Umbrella
- Guests’ medical payments regardless of fault (limits vary)
Key Add-Ons
- Loss Assessment—for HOA deductibles or shortfalls after a covered loss
- Water Backup / Sump Overflow—especially for older buildings or lower-level units
- Ordinance or Law—code-required upgrades to your interior after a loss
- Equipment Breakdown—for sudden failure of covered systems (availability varies)
- Service Line—damage to underground lines you’re responsible for (availability varies)
Step 3: Sizing Your Limits (Auburn Hills-Specific Tips)
- Walls-In: If your building is bare-walls, price out replacement for finishes and fixtures at today’s local costs; include any high-end upgrades.
- Loss Assessment: Ask your board/manager about the master policy deductible (many associations use higher deductibles). Choose a limit that can realistically cover your potential share.
- Water Backup: Michigan’s weather patterns increase the value of this endorsement—consider higher sub-limits if your unit is below grade.
- Ordinance or Law: Valuable in areas with older structures where code updates are triggered after repairs.
- Umbrella: If you also rent the unit or have higher risk exposures, add a personal umbrella for extra liability.
Renting Out Your Condo?
If the unit is tenant-occupied, we’ll pivot to the appropriate landlord form (or condo-landlord variant) to reflect rental liability and loss of rents. Auburn Hills requires rental registration and compliance with Michigan law before leasing; we’ll align your policy and issue any required certificates for your association, lender, or the city.
Our Process for Auburn Hills Condo Owners
- Review Docs — master policy certificate + bylaws/master deed insurance section.
- Confirm Type — bare-walls vs. all-in vs. modified all-in; note HOA deductible.
- Right-size Limits — walls-in, personal property, liability, ALE; add loss assessment and water backup.
- Bind and Certs — evidence for lenders/associations; add umbrella if needed.
- Annual Check-In — refresh values for renovations or HOA deductible changes.
We Serve Every Auburn Hills Neighborhood
Auburn Hills proper, including areas around Baldwin Road, Rochester Road, and nearby communities like Pontiac, Rochester, and Troy.
Why Choose Insurox?
- Access to 150+ insurance carriers
- Specialized condo insurance advisors
- Fast online quotes
- No hidden fees or surprises
- Local expertise in Auburn Hills, MI
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