Figure out how much of your condo interior needs to be insured.
In many condos, the association insures the exterior and common areas while the unit owner is responsible for the inside finishes and improvements. This calculator estimates the coverage needed for cabinets, counters, flooring, paint, fixtures, bathrooms, appliances, and built-ins.
Usually association
Roof, structure, exterior, halls
The master policy commonly handles the outside shell and shared areas.
Usually unit owner
Walls-in finishes and upgrades
The HO-6 often needs to protect what makes your unit livable and finished inside.
Always confirm
Bylaws and master policy wording
Some associations cover original finishes only, while others stop at bare walls.
Calculator
Condo interior coverage calculator
Enter the size of the condo and the quality of finishes inside the unit. We use those details to estimate rebuild cost, then add room for demolition, contractor overhead, and a safety buffer.
What to verify next
Questions every condo owner should ask
- Does the master policy stop at bare walls, or does it include original cabinets and fixtures?
- Would a loss assessment from the association need separate coverage?
- Have you made upgrades since buying the condo that exceed the original builder finish?
- Are appliances, flooring, and custom closets your responsibility under the bylaws?
- Would code upgrades or debris removal increase the rebuild cost after a major water or fire loss?
- Do you also need enough contents, liability, and water backup protection on the policy?
AI Room Scan
Upload room photos and let AI estimate fixtures, finishes, and built-ins.
This follows the same photo workflow as your contents inventory tool, but the AI is focused on condo walls-in property. It looks for cabinets, countertops, vanities, flooring, trim, paint, lighting, plumbing fixtures, owner appliances, and other attached improvements. Personal property is intentionally ignored.
iPhone HEIC and HEIF photos are accepted and converted automatically before analysis.