Condo Insurance in Las Vegas (HO-6)
Quick answer: A condo (HO-6) policy covers the inside of your Las Vegas unit, your belongings, your liability, and special assessments -- the things your HOA's master policy does not. The master policy generally covers the building structure and common areas, while everything from the walls in is yours to insure. Coverage and cost vary by carrier; this is general information, not a quote.
HO-6 vs. your HOA master policy
Most Las Vegas condo and high-rise communities carry a master policy that covers the building structure and shared areas. What that master policy covers inside your unit varies:
- Walls-in (all-in): the master policy covers built-in fixtures and original finishes; you insure belongings, upgrades, and liability.
- Bare-walls: the master policy stops at the studs; you insure everything inside, including flooring, cabinets, and fixtures.
Read your HOA's master policy declarations so your HO-6 fills the exact gap -- under-insuring here is a common and expensive mistake.
What an HO-6 policy covers
- Interior / dwelling (Coverage A): walls, floors, cabinets, fixtures, and upgrades inside your unit.
- Personal property: your belongings against covered perils.
- Liability: injuries in your unit or damage you cause to a neighbor's unit.
- Loss assessment: your share of a covered loss the HOA assesses to all owners -- valuable in shared buildings.
- Loss of use: living costs if your unit is temporarily uninhabitable.
Who needs it in Las Vegas
Condo living is common across Paradise, Spring Valley, the resort corridor, and many Henderson communities. If you own a condo, townhome with shared structure, or high-rise unit, an HO-6 is how you protect the part of the building your HOA does not. Lenders also typically require an HO-6 when you finance a condo -- coordinate it with your closing timeline.
What affects condo insurance cost
Your interior coverage amount, loss-assessment limit, deductible, replacement-cost election, the building, and your claims history all factor in. Bundling with auto can help. See how premiums are built in our Las Vegas insurance cost guide.
Frequently asked questions
What is the difference between HO-6 and HO-3?
HO-3 insures a whole single-family home including the structure; HO-6 insures a condo unit's interior, belongings, liability, and loss assessment, because the HOA master policy covers the building structure.
Doesn't my HOA's master policy cover my unit?
It covers the building and common areas, but how far it reaches inside your unit varies (walls-in vs. bare-walls). An HO-6 covers your belongings, upgrades, liability, and your share of assessments -- gaps the master policy leaves.
What is loss assessment coverage?
If the HOA has a covered loss that exceeds the master policy and assesses all owners, loss assessment coverage on your HO-6 helps pay your share, up to your selected limit.
Is condo insurance required in Las Vegas?
Nevada does not mandate it, but if you finance the condo your lender will require an HO-6, and HOAs may require proof of coverage. Even when optional, it protects what the master policy does not.
How much does condo insurance cost?
It depends on your interior coverage amount, loss-assessment limit, deductible, and the building. We can compare carriers for an estimate -- not a quote or binding offer.
Cover the part of the building that's yours
A licensed Nevada agent can read your HOA master policy and right-size your HO-6 -- no pressure, no obligation.
Request a quoteValley West Insurance is a licensed Nevada insurance agency (NV DOI #3892145), not an insurer; coverage is placed through licensed carriers and is subject to carrier underwriting and approval. Estimates are for planning only and are not a quote or a binding offer of insurance. Coverage, availability, and pricing vary by carrier, policy, and applicant.