# Condo Insurance in Indiana & KY | Yellow Ribbon Insurance > Condo (HO-6) insurance for your unit, belongings and liability in Indiana and Kentucky, from veteran-owned Yellow Ribbon Insurance. Free quote: (812) 577-8749. Source: https://yellowribboninsurance.com/condo/ [Yellow Ribbon Insurance](https://yellowribboninsurance.com/) [Get my free quote](https://yellowribboninsurance.com/quote/) Coverage [Auto](https://yellowribboninsurance.com/auto/) [Home](https://yellowribboninsurance.com/home/) [Condo](https://yellowribboninsurance.com/condo/) [Renters](https://yellowribboninsurance.com/renters/) [Landlord](https://yellowribboninsurance.com/landlord/) [Life](https://yellowribboninsurance.com/life/) [Specialty](https://yellowribboninsurance.com/quote/) Agency [About](https://yellowribboninsurance.com/about/) [Insurance Advice](https://yellowribboninsurance.com/insuranceadvice/) [FAQ](https://yellowribboninsurance.com/#faq) [Contact](https://yellowribboninsurance.com/contact/) [Call (812) 577-8749](tel:8125778749) [Get a free quote](https://yellowribboninsurance.com/quote/) [Home](https://yellowribboninsurance.com/) β€Ί Condo Insurance 🏒 Condo Insurance Β· HO-6 Β· Indiana & Kentucky # CONDO INSURANCE THAT COVERS YOUR SPACE Your HOA covers the building β€” but who covers your unit? Get affordable HO-6 condo insurance that protects your interior, belongings, and liability from just $20/month. [Get My Free Quote β†’](https://yellowribboninsurance.com/quote/) [πŸ“ž Call (812) 577-8749](tel:8125778749) $20+ Starting Monthly Cost 7+ Years Serving IN & KY 60sec To Get a Quote 4.8β˜… Client Rating Condo Insurance Guide ## WHAT EVERY CONDO OWNER IN INDIANA & KENTUCKY NEEDS TO KNOW If you own a condo in Indiana or Kentucky, your HOA's master insurance policy covers the building exterior, roof, and common areas β€” but **it almost certainly does not cover the inside of your unit.** That's where an HO-6 condo insurance policy comes in, and why it's one of the most important β€” and most affordable β€” insurance decisions a condo owner can make. Condo insurance covers **your walls-in**: flooring, kitchen cabinets, fixtures, built-in appliances, and all your personal belongings. It also provides personal liability coverage and, critically, ** loss assessment coverage** β€” protecting you when your HOA passes unexpected repair costs on to individual unit owners after a major claim. ### Understanding the Gap Between Your HOA Policy and Your Needs HOA master policies vary significantly. Some are structured as "bare walls in" β€” covering nothing inside your unit. Others are "all in" β€” covering original fixtures and built-ins. Most fall somewhere in between, and many condo owners discover the coverage gap only after a claim. Bill Cline will review your HOA's master policy documents alongside your personal coverage needs to build an HO-6 policy that closes every gap. With condo communities across Indianapolis, Louisville, Lexington, Bloomington, and every major city in between, Yellow Ribbon Insurance has the local experience to get Indiana and Kentucky condo owners properly protected β€” often for less than the cost of a dinner out each month. [Get My Free Quote β†’](https://yellowribboninsurance.com/quote/) What's Included ## WHAT DOES THIS POLICY COVER? πŸ—οΈ Interior Dwelling (Walls-In) Covers your unit's interior β€” drywall, flooring, cabinets, built-in appliances, and fixtures β€” after a covered loss like fire or water damage. πŸ›‹οΈ Personal Property Protects your furniture, electronics, clothing, and valuables if stolen or damaged. Replacement cost coverage ensures full reimbursement without depreciation. βš–οΈ Personal Liability If a guest is injured in your unit or you accidentally damage a neighbor's property, liability coverage handles legal costs and any settlement amount. 🏨 Loss of Use Pays for temporary housing, meals, and storage if your condo becomes uninhabitable after a covered claim while repairs are completed. πŸ“‹ Loss Assessment When HOA claims exceed the master policy's limit, the association charges individual unit owners. This coverage protects you from those unexpected bills. πŸ’§ Water Backup / Overflow Covers damage from sewer backups or sump pump overflow β€” a frequent source of interior condo damage across Indiana and Kentucky. [Get Covered Today β†’](https://yellowribboninsurance.com/quote/) Why Choose Us ## WHY YELLOW RIBBON INSURANCE? πŸŽ– Veteran-Owned & Operated Bill Cline is a veteran who founded Yellow Ribbon Insurance in 2018 with a mission to serve Indiana and Kentucky families with honesty, integrity, and genuine care. 🀝 A Local Agent Who Knows You We're not a call center. We're your neighbor β€” a local agent who takes the time to understand your situation, your family, and what matters most to you. ⭐ 4.8-Star Rated Service With over 47 five-star reviews, our clients consistently praise Bill's responsiveness, expertise, and genuine care for their families and businesses. πŸ›‘οΈ Claims Forgiveness Available We have access to policies with claims forgiveness on qualifying coverage β€” meaning your first claim won't automatically raise your rates. πŸ“ž Real Person, Real Answers Call or text Bill directly. No hold music, no automated menus β€” just fast, expert answers from someone who genuinely cares about your outcome. πŸ† Indiana & Kentucky Expertise From Bloomington to Louisville, we know the local risks β€” severe weather, regional driving conditions, flood zones β€” and build your coverage accordingly. Pricing Guide ## WHAT DOES THIS COVERAGE COST? Rates vary based on your location, history, coverage level, and other factors. The table below gives you a general idea of what Indiana and Kentucky residents typically pay. The best way to know your exact rate is to get a free, no-obligation quote. | Coverage Level | Typical Monthly Cost (IN/KY) | Notes | | --- | --- | --- | | **Basic HO-6 Coverage** | $20–$35/mo | Personal property + liability β€” entry-level protection for budget-conscious owners | | **Standard HO-6** | $35–$55/mo | Interior dwelling + full personal property + liability + loss assessment | | **Enhanced HO-6 + Add-Ons** | $55–$80/mo | Adds water backup, scheduled valuables, higher loss assessment limits | | **Condo + Auto Bundle** | $120–$200/mo | Combined coverage β€” bundling typically reduces total cost meaningfully | **Want your exact rate?** Every policy is unique. Call Bill Cline at [(812) 577-8749](tel:8125778749) or [request a free quote online](https://yellowribboninsurance.com/quote/) β€” no pressure, no commitment. Common Questions ## FREQUENTLY ASKED QUESTIONS Homeowners insurance covers your entire structure from the foundation up. Condo insurance (HO-6) covers the interior of your unit β€” from the walls in β€” plus your personal property and personal liability. Your HOA's master policy covers the building exterior and shared common areas. HOA master policies typically cover the building shell and common areas, but rarely cover your interior walls, flooring, fixtures, or personal belongings. If a neighbor's pipe bursts and damages your unit, you need your own HO-6 policy to cover the loss and your personal property. Don't assume your HOA policy protects you individually. If damage to a common area exceeds the HOA master policy's limit, the association may bill each unit owner their share of the shortfall. Loss assessment coverage on your HO-6 policy protects you from these unexpected charges, which can reach thousands of dollars with no advance warning. Many HOAs in Indiana and Kentucky require unit owners to maintain a minimum HO-6 policy. Requirements vary by association β€” review your HOA documents or ask Bill Cline to help you understand what's required and what's smart beyond the minimum. Most Indiana and Kentucky condo owners pay between $20 and $55 per month for a standard HO-6 policy. Given the protection it provides against property loss, liability claims, and loss assessments, it offers exceptional value for the cost. Yes β€” bundling your HO-6 condo policy with auto insurance is a straightforward way to reduce your overall insurance cost. Bill Cline will review your full coverage picture to find the best combined pricing available. Still have questions? We're happy to help. [Talk to Bill Cline β†’](https://yellowribboninsurance.com/quote/) Insurance Advice ## Related guides [Home Β· 16 min read ### What Does Water-Backup Coverage Protect? Why many policies limit sewer backup and what the endorsement adds. Read the guide β†’](https://yellowribboninsurance.com/blog/home-insurance/what-does-water-backup-coverage-protect-in-an-indiana-home/)[Home Β· 16 min read ### What Do You Need for an Indiana Home Insurance Quote? Year built, roof age, claims history and lender details: what to have ready. Read the guide β†’](https://yellowribboninsurance.com/blog/home-insurance/what-do-you-need-for-an-indiana-home-insurance-quote/)[Home & auto ### Bundle & Save: How Combining Home and Auto Works How bundling works and what to watch for before you combine policies. Read the guide β†’](https://yellowribboninsurance.com/blog/bundle-and-save/) [See all insurance advice β†’](https://yellowribboninsurance.com/insuranceadvice/) Ready to get protected? ## GET YOUR FREE QUOTE TODAY No obligation, no pressure. Just expert guidance from a veteran who genuinely cares. [Get a Free Quote β†’](https://yellowribboninsurance.com/quote/) [πŸ“ž Call (812) 577-8749](tel:8125778749) [Get my free quote](https://yellowribboninsurance.com/quote/) --- **Yellow Ribbon Insurance** Β· 3211 Grant Line Rd Ste 7, New Albany, IN 47150 Β· (812) 577-8749 Β· Mon–Thu 9:00 AM–6:00 PM, Fri 9:00 AM–5:00 PM ET Request a quote: https://yellowribboninsurance.com/quote-request (plain HTML form) or https://yellowribboninsurance.com/quote/ (guided).