Covers your condo unit's interior — walls, floors, ceilings, fixtures, and improvements — from the 'bare walls in.' The HOA master policy covers common areas and the building exterior, but your HO-6 policy covers everything inside your unit.

Covers your furniture, electronics, clothing, and other personal belongings against theft, fire, and other covered perils. Ensure your personal property limits reflect the actual replacement cost of your belongings.

Covers legal costs and damages if someone is injured in your condo or you accidentally damage someone else's property. Liability coverage protects your assets from lawsuits and claims.

Covers your share of HOA special assessments resulting from a covered loss to common areas. If the HOA's master policy is insufficient to cover a major loss, individual unit owners may be assessed — loss assessment coverage protects you from these unexpected costs.

Covers temporary housing and living expenses if your Bend condo is uninhabitable due to a covered loss. With Bend's tight housing market, additional living expenses coverage is especially important.

Covers improvements and upgrades you've made to your condo unit — upgraded kitchen, bathroom remodel, custom flooring — that may not be covered by the HOA master policy. Protect your investment in your unit's improvements.