Condo Insurance for Michigan Unit Owners
Your condo association's master policy covers the building — but it doesn't cover what's inside your unit, your personal belongings, or your personal liability. That's what your own condo policy (HO-6) is for.
What Is Condo Insurance?
Owning a condo in Michigan — whether it's a lakefront unit on Lake Michigan, a Grand Rapids high-rise, or a suburban condo community in the Rockford or Ada area — comes with a common misconception: that the association's master policy covers you. It doesn't. The master policy protects the building structure and common areas on behalf of the association. Your unit's interior, your personal belongings, your personal liability, and any loss assessments charged to you by the association after a major incident are all your responsibility. Knight Family Agency builds condo insurance (HO-6 policies) through Farmers for Michigan condo owners who want to make sure the gaps in the master policy are fully covered.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
Covers the interior of your unit — walls, flooring, cabinetry, fixtures, built-in appliances, and any improvements you've made — against fire, water damage, vandalism, and other covered perils. This is the coverage the master policy typically doesn't provide.
Covers your furniture, electronics, clothing, jewelry, and personal belongings against theft, fire, and covered damage whether they're in your unit, your car, or traveling with you.
Covers you if someone is injured in your unit or you accidentally damage a neighbor's property — like a bathtub overflow that floods the unit below you. Pays legal defense costs and settlements.
If your unit becomes uninhabitable after a covered loss, loss of use covers hotel costs and additional living expenses while repairs are made.
One of the most overlooked condo coverages. If the association levies a special assessment against all unit owners after a major loss (a fire in the common area, a lawsuit against the association), your policy pays your share up to your coverage limit.
Pays medical bills for guests injured in your unit — regardless of fault — without a lawsuit. Helps preserve relationships and avoids small claims escalating into liability cases.
Who Needs This Coverage
If you own a condo unit — whether primary residence, vacation property, or investment — you need your own HO-6 policy. The master policy does not protect you.
New condo buyers often assume the association's insurance covers everything. At closing, your lender will require proof of condo insurance — but even without a mortgage, you need it.
If you've put money into custom flooring, kitchen upgrades, or built-ins, the bare-walls master policy won't cover those improvements. Your HO-6 dwelling coverage fills this gap.
Vacation condos on Lake Michigan, inland lakes, or at Michigan ski resorts are used seasonally and often rented out part-time — creating coverage needs that differ from a primary residence.
Condo owners who spend winters elsewhere need to know whether their HO-6 extends full coverage during extended vacancy. We review your specific situation and any vacancy conditions.
Older buildings may have master policies with coverage gaps or disputes between the association and unit owners about what's covered. We review the master policy document and make sure your HO-6 fills the gaps.
Frequently Asked Questions
Get Condo Insurance for Your Michigan Unit
Don't rely on the master policy to protect what's yours. Knight Family Agency builds HO-6 coverage for Michigan condo owners.