Condo Insurance for Unit Owners Across Wisconsin

If you own a condo in Brookfield, Milwaukee, or anywhere in Wisconsin, your association’s master policy likely doesn’t cover the inside of your unit. That’s where condo insurance — also called an HO6 policy — comes in. We help condo owners get coverage for what’s theirs: the walls-in, personal property, liability, and more.

How Condo Insurance Works

 A condo insurance policy protects what your HOA’s master policy doesn’t. In most cases, the association covers the exterior structure, shared spaces, and common plumbing or electrical systems. Your policy fills in the gaps — covering interior walls, flooring, cabinetry, appliances, personal belongings, and liability inside your own space.



If your unit is damaged by a kitchen fire, pipe burst, or an accident impacts a neighbor’s condo, it’s your policy that will handle repairs or liability — not the HOA’s.

A man and woman are holding a little girl in their arms in a living room.

Master Policy Gaps – Why You Need Your Own Condo Insurance

Many condo owners assume the association handles everything, but that’s rarely the case. Your HOA’s master policy typically stops at the drywall or studs. That means you could be on the hook for:

  • Interior damage from leaks, fire, or storm events
  • Damage to upgraded fixtures like custom floors or countertops
  • Personal liability if someone is hurt inside your unit
  • Hotel or rental costs if your unit becomes unlivable after a covered claim
  • Shared losses passed down through loss assessments

If your building experiences major damage and the HOA’s insurance doesn’t fully cover the cost, you could be assessed a portion — sometimes thousands of dollars. Condo insurance helps you prepare for these situations.

What’s Included in a Wisconsin Condo Insurance Policy

We’ll walk you through the specifics, but most HO6 policies offer coverage for:

  • Personal Property

    Furniture, clothes, electronics, and other belongings

  • Building Property

    Cabinets, countertops, flooring, drywall, and improvements

  • Personal Liability

    Covers injuries or property damage you’re responsible for

  • Loss of Use

    Helps with living expenses if your unit is uninhabitable after a claim

  • Loss Assessment

    Helps cover your share of costs passed along by the association

Who Needs Condo Insurance?

  • First-time condo owners in Brookfield or Wauwatosa
  • Retirees downsizing to a condo in New Berlin or Elm Grove
  • Professionals buying downtown Milwaukee condos
  • Vacation condo owners near Lake Geneva or the Wisconsin Dells

If you own your unit and not the whole building, you need your own policy — plain and simple.

Why Work with a Local, Independent Agency?

  • We review your HOA bylaws and master policy before quoting
  • We help explain walls-in vs. all-in coverage (most clients have no idea)
  • We’ll check if you need endorsements for assessments or improvements
  • We’re right here in Brookfield, so we know what local condo owners actually face

Get a Quote

Need help understanding your condo coverage? Get a quick, no-pressure quote today — and we’ll send you a $25 gas card just for letting us help. We’ll read the fine print so you don’t have to.

Real Questions from Wisconsin Condo Owners

  • Will condo insurance cover water damage from another unit?

     It depends on the situation. If a neighbor’s pipe bursts and damages your unit, their liability coverage may apply. But your own policy may help with faster repairs and loss of use. We’ll explain how both policies work together.

  • What’s the difference between condo and homeowners insurance?

    Homeowners insurance covers the whole structure and land. Condo insurance is focused on what’s inside your walls. You don’t own the exterior or land, so coverage is more targeted — but just as important.

  • How much personal property coverage should I get?

    We’ll walk through your belongings and recommend a realistic number. Most people underestimate how much it would cost to replace furniture, clothes, and electronics.

  • Should I add loss assessment coverage?

    Yes — especially if you live in a building with shared amenities or a large association. Loss assessments can be costly and unexpected, and coverage is very affordable.

  • Can I cover valuable items like jewelry or art?

    Yes — you can add scheduled personal property coverage to your home or renters policy to protect specific high-value items.