Condo Insurance in Hendersonville, TN—Clear “Walls-In” Protection for Unit Owners

Your HOA Has a Policy—But It Doesn’t Cover Everything

If you own a condo, your HOA’s master policy likely covers the building—but not what’s inside your unit. HO-6 condo insurance fills that gap by protecting your personal property, interior finishes (“walls-in”), and personal liability. At The Bill Yon Agency, we help condo owners in Hendersonville, Nashville, and Goodlettsville understand exactly what the HOA covers versus what you’re responsible for—then tailor coverage to match.

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What an HO-6 Policy Typically Includes

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Walls-In / Unit Improvements

Covers interior finishes and upgrades like flooring, cabinets, fixtures, and built-ins that the HOA policy usually doesn’t insure.

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Personal Property

Protects your belongings—furniture, electronics, clothing—against covered losses like fire or theft.

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Personal Liability

Covers injuries to others or property damage you cause, including incidents that originate in your unit.

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Loss of Use

Helps pay for temporary housing and extra expenses if your unit is uninhabitable after a covered loss.

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Loss Assessment Coverage (Optional but Important)

Helps cover certain HOA assessments after a covered loss—especially relevant when associations carry high deductibles.

Master Policy Types & Why They Matter

HOA master policies vary, and your coverage should match the type in place:

  • Bare Walls – You insure most interior elements.

  • Single Entity – HOA covers basic interiors; you cover upgrades.

  • All-In – HOA covers many interiors, but you still need personal property, liability, and loss assessment.

  • Individuals with savings, investments, or retirement accounts

  • High-net-worth households seeking additional peace of mind

We’ll review your HOA documents with you to confirm requirements, deductible responsibility, and recommended limits—so there are no surprises.

Middle Tennessee Condo Realities

Condo rebuild costs, rising HOA deductibles, and water losses are common concerns in the Hendersonville/Nashville area. If you’re near shared plumbing, older buildings, or short-term rentals, the right endorsements matter. We’ll help you plan for scenarios like water backup or assessments after a major loss.

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What Renters Ask Most

  • Do I need condo insurance if my HOA has a master policy?

    Yes. The master policy doesn’t cover your belongings, liability, or many interior finishes.

  • What does HO-6 insurance cover in Tennessee?

    Typically walls-in improvements, personal property, liability, loss of use, and optional loss assessment.

  • Does condo insurance cover loss assessment?

    Often as an endorsement. It can help with certain HOA assessments after covered losses.

  • How much coverage do I need?

    We base limits on your HOA policy type, interior upgrades, and lender requirements.

Let’s Review Your HOA Docs—Free and Simple

Not sure what your association covers? We’ll review your documents and recommend the right HO-6 limits.

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Right Coverage, Not Random Add-Ons

As an independent agency, we compare options from multiple top-rated carriers—often with Erie-first expertise for personal lines—to match coverage to your HOA rules and mortgage requirements. That means protection where it counts, without paying for what you don’t need.

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Condo Coverage You Can Trust—From One Local Team

Get clear answers, tailored HO-6 coverage, and local support from The Bill Yon Agency—serving Hendersonville, Nashville, and Goodlettsville.