Condo insurance, also known as HO-6 insurance, may cover damages from certain natural disasters, but it depends on the policy and the type of disaster. Standard condo insurance typically covers interior damage caused by events like fire, wind, or hail, but often excludes floods and earthquakes, which require separate policies. The condo association’s master policy usually covers damage to the building’s exterior and common areas, while the individual unit owner’s policy covers the interior and personal belongings. If a natural disaster damages both common and private areas, coverage is split between the association’s insurance and the unit owner’s policy. To ensure full protection, condo owners should review their policy details and consider purchasing additional coverage for excluded disasters such as floods or earthquakes. Consulting with an insurance agent is essential to understand the specific coverage and any gaps that may exist in your current policy regarding natural disaster protection.