Condo (HO-6)
Your association's master policy stops somewhere. We find where.
Loss assessment
When the association's deductible or an uninsured loss is passed to unit owners, loss assessment coverage is what pays your share.
Walls-in is not one definition
'Bare walls', 'single entity', and 'all-in' master policies leave you responsible for very different things.
The exclusions we read for in this line
| Exclusion | Severity | What it means |
|---|---|---|
| Contents settled at actual cash value | material | Depreciation applies to personal property. |
| Flood excluded | critical | Surface water and storm surge are excluded on every unendorsed HO form. Requires NFIP or private flood. |
| Fungi / mold sublimit | informational | Typically $10,000 aggregate. |
The market archetypes we shop in this line
IronKey does not publish carrier names it is not appointed with. These are the program archetypes the exchange shops. When an appointment is executed, the carrier's name and rating appear here.
| Program | Type | A.M. Best | Bind | Note |
|---|---|---|---|---|
| Preferred Condo Program A HO-6 Premium |
admitted | A+ (Superior) | instant | |
| Broad Condo Program B HO-6 Standard |
admitted | A (Excellent) | instant |
Insurance offered through licensed agents. IronKey Care is an independent insurance agency, not an insurer. Availability and eligibility vary by state.