Yes, home insurance policies can be used for condos, but they typically need to be adjusted to fit the specific needs of condo living. While traditional home insurance covers a standalone house, condo owners need a policy called condo insurance (HO-6) to protect personal property and the interior of the unit, such as walls, appliances, and flooring. The condo association typically provides coverage for the building’s exterior, common areas, and shared facilities through a master policy. However, the homeowner’s condo insurance fills in gaps, covering personal belongings, liability, and sometimes loss of use. It’s essential for condo owners to review both their individual policy and the master policy of the condo association to ensure proper coverage and avoid overlaps or gaps.