Coverage That Complements Your HOA.
Your HOA’s master policy covers the building — but not what’s inside your unit.
At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock condo and townhome owners fill those coverage gaps with personalized protection for your interior, belongings, and liability.
Condo and townhome ownership offers convenience and community — but many residents misunderstand what their Homeowners Association (HOA) insurance actually covers.
Your HOA’s master policy usually protects the structure and common areas, leaving you responsible for the interior of your unit, your personal property, and any upgrades you’ve made.
RMIA helps you understand where the master policy stops — and where your personal coverage should begin.
In Castle Rock and Douglas County, condo and townhome HOAs can vary widely in how much they cover. Common scenarios include:
Bare Walls / Walls-Out Policy: HOA covers only the exterior walls and roof. You’re responsible for drywall, flooring, cabinets, and all interior finishes.
Walls-In Policy: HOA covers everything up to the interior paint — but not personal property or betterments.
All-In Policy: Rare in Colorado. Covers both exterior and interior fixtures but still excludes personal property and liability.
That’s why having your own condo or townhome insurance policy (HO-6) is essential to avoid uncovered repair or replacement costs.
A well-designed HO-6 policy includes several key protections:
Core Coverages:
Building Property (Interior Structure): Covers drywall, flooring, fixtures, and upgrades not included in the HOA’s master policy.
Personal Property Coverage: Protects your belongings — clothing, furniture, and electronics — from fire, theft, or water damage.
Loss of Use: Pays for hotel or rental costs if your home becomes uninhabitable after a covered loss.
Personal Liability: Covers injury or property damage you’re legally responsible for inside your unit.
Loss Assessment Coverage: Helps pay your share of HOA special assessments after a covered claim (like hail or fire damage to common areas).
Medical Payments to Others: Covers small medical expenses for guests injured in your home.
Optional Endorsements:
Water/Sewer Backup
Equipment Breakdown
Identity Theft Protection
Earthquake / Flood (if applicable)
High-Value Item Endorsements (jewelry, artwork, collectibles)
Castle Rock’s condo and townhome developments — from The Meadows and Founders Village to Castle Pines and Downtown Castle Rock — have unique HOA policies and construction types.
RMIA works directly with your HOA documents to identify what’s covered under the master policy and what needs to be added to your personal plan.
We also account for local risks like hail, wildfire, and freezing pipes, which are common concerns for Douglas County homeowners.
Independent Advantage: We shop multiple carriers to find the right coverage to complement your HOA’s plan.
Local Experience: Over 20 years serving Castle Rock communities — we know the difference between each HOA structure.
Personalized Guidance: We’ll review your HOA docs, identify coverage gaps, and explain everything in plain language.
Fast Service: Need proof of insurance for your HOA or mortgage lender? We’ll deliver it the same day.
Most HOA policies cover the building’s exterior and common areas. You’re responsible for everything inside your unit — including drywall, flooring, and personal property.
If your HOA issues a special assessment after a covered claim (like roof or hail damage), loss assessment coverage helps pay your share of the cost.
Yes. If you’ve installed new flooring, cabinets, or countertops, we can ensure those improvements are included in your coverage limits.
Absolutely. RMIA reviews your HOA’s master policy to make sure your personal coverage fills the gaps without overlap.
Yes — bundling can lower your premiums by 10–20%. We’ll show you how to combine your policies for maximum savings.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Don’t rely solely on your HOA’s policy — it won’t protect what makes your condo or townhome yours.
Let RMIA help you build coverage that protects your home from the inside out.
