What is an HO-6 policy?
An HO-6 is a standard condominium unit-owner policy form family that typically covers belongings and specified parts of the unit.
What the HO-6 form is
HO and DP form numbers are commonly associated with standardized templates developed by Insurance Services Office (ISO). Carriers may file state-specific editions or their own variants, so the form number alone does not establish the terms of a particular policy.
HO-6 identifies a standard condominium unit-owner policy form family. It is designed around the property interests and personal liability of a person who owns and occupies a condominium unit.
Standard form labels are a starting point, not a substitute for the contract. Insurers may use state-specific editions, endorsements, or their own filed variants. The language in the policy issued to the reader controls.
How property and perils are typically structured
Personal property is typically covered on a named-peril basis. Building-property coverage generally applies only to the parts of the unit and improvements described by the policy.
The boundary between the unit-owner policy and the condominium association’s policy varies. The issued HO-6 form, its endorsements, and the association documents identify that boundary for a particular unit.
Who typically has this form
An HO-6 is typically issued to a person who owns and occupies a condominium unit.
How to find out which form you have
The declarations page usually shows the policy form number, such as HO-6. The form number is only the label for the form family. The policy itself, including its edition date and endorsements, is the source of truth for what your coverage says.
UnderstandMyPolicy reads your uploaded policy and explains what that document says, with answers cited to its pages and clauses. It does not fill gaps with assumptions based on the form label.