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HOA Coordination

We work directly with your HOA to ensure proper coverage coordination

Interior Protection

Complete coverage for walls-in, fixtures, and personal property

Assessment Coverage

Loss assessment protection when HOA levies special assessments

Coverage Made Simple

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About California Condo Insurance Quotes

At California Condo Insurance Quotes, we believe quality coverage shouldn’t break the bank. We work with price-conscious comparison shoppers across California metro areas to find the sweet spot between comprehensive protection and affordable premiums. Smart coverage, honest prices — that’s our promise.

Copyright © 2026 Susman Insurance Agency · California Insurance License #OB75129

California Condo Insurance Quotes | CA License #OB75129

825 South Barrington Avenue, Suite 200, Los Angeles, CA 90049

(877) 411-5200 | Mon–Fri, 9:00 AM – 5:00 PM PST

Frequently Asked Questions

What does condo insurance cover in California?

A California condo policy (HO-6) covers what your HOA's master policy doesn't: your personal property, interior walls and fixtures, loss assessment, and personal liability. The HOA master policy typically covers the building exterior and common areas, so the two are designed to fit together. Reviewing your HOA's CC&Rs tells you exactly where its coverage stops and yours needs to start.

Do I need earthquake insurance for my California condo?

It isn't required, but standard condo policies exclude earthquake damage entirely. Coverage is added through a separate policy, such as one from the California Earthquake Authority, and condo owners should also look at earthquake loss-assessment coverage in case the HOA passes repair costs to owners.

Is condo insurance required in California?

California law doesn't require it, but nearly all mortgage lenders do, and many HOAs require proof of an HO-6 policy. Even without those requirements, going without coverage leaves your belongings, interior, and personal liability unprotected.

How much condo insurance do I need?

Enough to rebuild your unit's interior, replace your belongings, and cover the loss-assessment limits suggested by your HOA documents. The right numbers depend on your unit and your association's master policy — an agent can review both. Call (877) 411-5200 for a walkthrough of your specific situation.

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