Condo / HOA Insurance in Illinois

Condo insurance is more nuanced than standard homeowners coverage. As a unit owner, you need an HO-6 policy that picks up where the HOA master policy leaves off. As a condo association, you need a master policy that properly covers common areas, the building, and your directors and officers. Hollinger Insurance Services has deep experience with both sides, serving associations and individual owners throughout the Chicago suburbs.

HO-6 Coverage for Unit Owners

The HOA master policy covers the building structure and common areas — but it typically does not cover your interior finishes, personal property, or personal liability. An HO-6 policy fills that gap. Most mortgage lenders require it, and it's an important layer of protection even when not required.

Master Policy Coverage for Associations

HOA and condo associations need a commercial property policy for the building and common areas, general liability, and Directors & Officers (D&O) liability. Many associations also carry fidelity/crime coverage, umbrella, and workers comp. We review your bylaws and existing coverage to identify gaps at no charge.

COI Portal for HOA Clients

We built a dedicated online portal for associations and unit owners to request Certificates of Insurance around the clock — no phone tag, no waiting on the management company. Unit owners and their attorneys can get a cert when they need it.

What's Typically Covered

• ✓Interior walls, floors & ceilings (unit owner)
• ✓Personal property & contents
• ✓Personal liability
• ✓Loss assessment coverage
• ✓Building additions & improvements
• ✓Common area coverage (HOA master)
• ✓Directors & Officers (D&O) liability
• ✓Building structure (HOA)
• ✓Water damage & loss of use
• ✓Fidelity / employee dishonesty (HOA)

Frequently Asked Questions