Condo Insurance (HO-6) in Ohio: Coverage and Cost

Updated November 6, 2026 · General information, not insurance advice

Condo insurance in Ohio, sold as an HO-6 policy, covers the parts of your unit your association's master policy doesn't, plus your belongings and personal liability. Ohio condo owners pay well under the national average: NerdWallet puts the typical Ohio rate at about $375 a year, while Insure.com estimates about $611 a year for a policy with more coverage. The right amount depends on what your condo association's master policy already covers.

How much does condo insurance cost in Ohio?

Estimates vary because each company prices a different sample policy:

NerdWallet (2026): about $375 a year in Ohio, versus a national average of about $510, for $50,000 of personal property, $300,000 of liability and a $1,000 deductible.
Insure.com (2026): about $611 a year in Ohio, $115 below its national average of $726, for $60,000 of personal property, $300,000 of liability and a $1,000 deductible.

Insure.com's city averages for that same policy run from about $586 in Canton to $639 in Cleveland, with Columbus at $611, Cincinnati at $612, Dayton at $623 and Toledo at $630. In its figures, raising personal property coverage from $60,000 to $120,000 lifted the Ohio average to about $761 a year.

Your own price can land far from these averages. NerdWallet found condo owners with poor credit pay about 56% more on average, and that raising the deductible from $1,000 to $2,500 can save roughly 16%. Claims history and the age and location of the building matter too. For more on what drives Ohio home prices in general, see our guide to how much homeowners insurance costs in Ohio.

Start with your association's master policy

Every condo association carries a master policy on the building and common areas. Before you buy an HO-6, get a copy of the master policy (or a summary) and the declarations and bylaws from your association or property manager. Master policies generally come in three types:

Bare walls

Covers only the structure: framing, drywall, wiring, plumbing and insulation. Everything inside, such as cabinets, countertops, flooring and fixtures, is up to you, so you need a larger dwelling limit on your HO-6.

Single entity

Adds original fixtures like countertops, sinks and built-in appliances, but typically not upgrades or remodeling you or a past owner added.

All-in (all-inclusive)

The broadest type. It usually covers fixtures and improvements too, so you may need little or no extra dwelling coverage, though you still need coverage for your belongings and liability.

What an HO-6 policy covers

Dwelling (unit) coverage: the interior parts of your unit that the master policy leaves to you. The limit should match the cost to rebuild those parts.
Personal property: furniture, clothing, electronics and other belongings. Replacement cost coverage pays to buy new items rather than their depreciated value.
Loss of use: extra living costs if a covered loss makes your unit unlivable.
Personal liability: if someone is hurt in your unit or you damage a neighbor's unit. Limits commonly range from $100,000 to $500,000.
Medical payments: small medical bills for guests hurt in your unit, often $1,000 to $5,000.
Loss assessment: your share of a special assessment the association charges owners after a covered loss to common areas.

Don't overlook loss assessment coverage

If a storm damages the roof or a guest sues the association, the master policy's deductible or a shortfall can be split among owners as a special assessment. Policygenius notes that many condo policies include only about $1,000 of loss assessment coverage, and you can often raise it to around $50,000. Compare that limit to your master policy's deductible; associations with high wind or hail deductibles can pass large bills to owners. Our guide to hail and wind damage in Ohio explains how those deductibles work.

Gaps to check in Ohio

Flood: neither the master policy nor an HO-6 normally covers flooding. Ground-floor and basement units near rivers or Lake Erie may need a separate flood policy. See do you need flood insurance in Ohio?
Water backup: sewer or drain backup is usually an optional add-on, worth asking about for lower-level units.
Upgrades: if you renovated a kitchen or bath, make sure your dwelling limit includes those improvements, especially under a bare-walls or single-entity master policy.

How to set up condo coverage: quick steps

Get the master policy summary and find out whether it is bare walls, single entity or all-in.
Note the master policy deductible and what owners are responsible for under the bylaws.
Estimate the cost to rebuild your unit's interior and replace your belongings.
Choose liability and loss assessment limits that fit your situation.
Compare quotes from several insurers for the same coverage, and ask about discounts such as bundling with auto.

If your lender requires condo coverage, it may also ask for proof of a minimum dwelling limit; check your loan documents. A licensed Ohio agent can review your master policy and help you pick limits.