Massachusetts Condo Insurance
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- Massachusetts Condo Insurance
Massachusetts summers are some of the best in the country. The mild breeze hits the warm summer air and just makes you want to explore all the state has to offer — from its cape to its pines. But winters can be brutal. Massive amounts of snow come crashing down, covering everything until it melts away in the spring. But that snow can cause quite a bit of damage. That’s why condo owners need a Massachusetts condo insurance policy.
It protects the walls of your condo unit and many things inside. Typically called an HO6, walls-in policy or condo association insurance in Massachusetts, it can help to pay for repairs and damages if your unit is unexpectedly hit by a covered peril.
Perils are more common in condos than houses because there are up to eight neighbors (if we’re counting corner to corner) that you may have to deal with. While they’re probably great people, if they start a kitchen fire or flood the bathroom that makes its way to your condo, you could be stuck paying for repairs yourself if you don’t have adequate condo insurance.
Clovered can help with that tricky dilemma. We’ve enlisted some of the top insurance companies in the state for our online multi-rater quoting engine. That means you simply add your address and we’ll work our magic to find you the perfect policy instantly!
What Does Massachusetts Condo Insurance Cover?
Personal Property
☘ Since it’s a walls-in policy, meaning only what’s inside the four walls of a condo are typically covered, an HO6 begins with coverage for personal belongings. This helps to protect items you keep inside your home, such as clothing, computers, furniture and TVs. Since condo owners don’t own the property outside their unit, belongings that are permanently kept outdoors may not be covered.
Loss of Use
☘ If a peril occurs that damages or destroys your condo, causing you to temporarily move out, loss of use can help to cover monthly rent at an equivalent home, storage fees, pet boarding and many other expenses you wouldn’t have incurred had you been living in your unit. Since your neighbors may not be as careful as you, loss of use is pivotal in protecting your wellbeing.
Personal Liability
☘ If an accident occurs to a guest in your condo unit and you’re deemed liable, personal liability coverage can step in and help pay for medical bills and legal expenses for major incidents like dog bites, broken bones or even accidental death. For condo owners, personal liability is typically the highest amount of coverage you’ll maintain.
Medical Payments
☘ MedPay, as it’s often called, is similar to personal liability in that it covers injuries that occur on your property. But with medical payments coverage, only medical bills for minor injuries will be paid — no matter whether you’re at fault or not.
Loss Assessment
☘ If the condo’s master HOA policy maximums don’t pay for significant damages or incidents, each owner will have to pay a special assessment. This add-on protects policyholders from paying significant special assessment fees handed down by the condo complex.
Building Property Protection
☘ Condo insurance is a walls-in policy, so you don’t have to protect the building’s structure. But building property protection protects the walls and interior of your condo unit if they’re damaged or destroyed by a covered peril, which is important since you may have many neighbors.
How Much Is Condo Insurance in Massachusetts?
Condo insurance in Massachusetts average costs typically hovers around $430 per year, which is just above the national average. The price you pay for Massachusetts condo insurance depends heavily on where you live. If you have an oceanfront unit, are just a few blocks off the ocean or are in a prime location for real estate prices, you’ll likely pay more than the state’s average.
However, if you live in a condo in Boston, Springfield or another area of The Bay State that isn’t so prominently priced, you’ll likely pay less than the state’s average. At Clovered, we can help get your costs down. Just get a quote online and we’ll do all the hard work for you.
How to Get the Best Condo Insurance in Massachusetts
Simply get a Massachusetts condo insurance quote from Clovered and you’ll be paired with the perfect policy that meets your coverage needs and falls within your budget. We teamed up with the state’s top companies to be able to provide you with the best condo insurance in Massachusetts that doesn’t break the bank.

Protect everything your condo association doesn't with a custom condo insurance policy at an affordable price.
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.