HO-6 Policy

**What is an HO-6 Policy?** An HO-6 policy is designed for condo owners, covering personal property (furniture, electronics) within their unit and liability protection if someone is injured in common areas like hallways or pools. It does not cover the building structure itself, which is typically managed by a condo association policy.

**Why HO-6 Matters in Plainview, NY** Condos are prevalent across Plainview and surrounding areas like Woodbury and Hicksville. An HO-6 ensures residents in these communities are protected against personal property loss (e.g., fire, theft) and liability claims from accidents in shared spaces. Without it, condo owners may face uncovered losses after incidents like water damage or slip-and-fall injuries.

**How HO-6 Coverage Works** This policy includes: (1) personal property coverage for items inside your unit, (2) liability protection if someone is injured on shared condo property, and (3) loss assessment coverage for unexpected association repair costs. Residents in Plainview should review deductibles, policy limits, and exclusions (e.g., flood damage) to ensure alignment with their needs.

**Local Relevance in Nassau County** Lehmann Insurance helps Plainview condo owners navigate HO-6 policies, emphasizing coverage gaps unique to NY. For example, liability risks may rise in mixed-use condos or those with amenities like gyms. Our agents advise residents across Plainview and nearby service areas to tailor policies for local risks like water damage or liability in shared parking structures.