Dwelling Improvements
Coverage for interior improvements, fixtures, and built-in cabinetry—typically separate from association coverage for structural elements.
A correct HO-6 form documents coverage boundaries, supports prompt claims handling, demonstrates compliance with mortgage or HOA requirements, and prevents gaps between association and unitowner responsibilities.
The HO-6 form is filled out and reviewed by several stakeholders during purchase, renewal, or claims.
Each party uses the form differently: owners confirm coverage, lenders verify loan conditions, and HOAs manage shared-loss responsibilities.
Coverage for interior improvements, fixtures, and built-in cabinetry—typically separate from association coverage for structural elements.
Limits, sublimits, and optional scheduled personal property items, including guidance on replacement-cost versus actual-cash-value valuation.
Limits for assessments charged by the condominium association for shared property losses and deductible allocation rules.
Personal liability coverage and medical payments to others for incidents within the insured unit or common areas.
Coverage for temporary housing, meals, and reasonable expenses when the unit is uninhabitable after a covered loss.
Effective/expiration dates, deductible amount, endorsements, exclusions, and premium breakdown for clear contract interpretation.
| Field | Configuration |
|---|---|
| Signing order | Owner first, agent or lender second |
| Authentication | Email + optional SMS code |
| Attachments | Include association bylaws and declarations |
| Notifications | Automated status and completion emails |
HO-6 forms are commonly shared as PDF or DOCX files, and can be sent by secure eSignature platforms or uploaded to insurer portals.
Choose a method that preserves an audit trail and retained copy for the owner, insurer, lender, and HOA; platforms should support export and long-term storage.
Submit coverage before mortgage closing to avoid funding delays
Report losses promptly—insurer timeframes often specify immediate to 30 days
Provide proof of renewal prior to policy expiration
Allow insurer processing time—typically several business days
Respond within the HOA’s stated deadline to avoid fines
| signNow | DocuSign | Adobe Sign | PandaDoc | HelloSign | |
|---|---|---|---|---|---|
| Starting Price | $8/user/mo | $15/user/mo | $14/user/mo | $19/user/mo | $15/user/mo |
| Free Trial | 7-day free trial | Varies by plan | Varies by plan | Varies by plan | Varies by plan |
| Bulk Send | Yes (Business Premium) | Yes | Yes | Yes | Varies |
| Audit Trail | Yes | Yes | Yes | Yes | Yes |
Tim Martin’s property management team migrated HO-6 submissions online to reduce turnaround time.
Brian Fitzgibbons’ firm centralized unitowner insurance proofs to streamline closings.