Expertise. Solution. Service.
MAXIMUM offers a specialized Condominium Unit Owners Liability (H06) program that helps independent agents and brokers place liability and limited dwelling exposures for clients who own or rent condominium or cooperative units. The program supports owner-occupied, seasonal and short-term rental uses with flexible underwriting and broad options designed for condo living.
Ideal Accounts and Appetite
This program is focused on individual unit owners and similar named insureds. Acceptable risks include:
Example accounts: a retiree who rents a beach condo part-time and needs liability and loss assessment protection; or a couple who own an urban high-rise co-op seeking personal liability, personal property and loss-of-use coverage.
Coverage Highlights and Advantages
MAXIMUM's H06 solution provides competitive limits and built-in features to address typical condo exposures:
Additional benefits include the option to add the condo association as an additional insured and access to vendor services such as identity theft protection, tenant screening and HR tools to enhance the client offering.
Underwriting Notes
The program is underwritten with flexibility to accommodate a range of condo risks. Deductible options include:
Common ineligible risks:
Territories and Availability
This H06 program is available in most U.S. states listed below, and is offered on an admitted basis in most of those territories. It is not currently available in AK, AL, CA, FL, HI, KY, LA, MS, or WV.
Available states: AZ, AR, CO, CT, DE, GA, ID, IL, IN, IA, KS, ME, MD, MA, MI, MN, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, WY.
Why Work With MAXIMUM?
As a wholesale broker focused on specialized personal lines, MAXIMUM gives agents access to tailored H06 coverage, responsive underwriting and online quoting/binding. Our team helps place complex or non-standard condo risks and supports value-added services that make your submissions more competitive. You’ll get direct underwriting guidance and the infrastructure to move business quickly.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include individual condo or co-op unit owners—occupied full-time, seasonally, or used as short-term rentals. Trusts, estates, LLCs and partnerships are eligible as named insureds.
Are short-term rental units eligible for coverage?
Yes. Short-term rentals such as Airbnb or VRBO are acceptable provided other underwriting criteria are met.
Can the condo association be added as an additional insured?
Yes. The program allows adding the condo association as an additional insured to address shared liability concerns.
Are there any states where this program is not available?
Yes. The program is not available in AK, AL, CA, FL, HI, KY, LA, MS, or WV.
What are common reasons a risk might be ineligible?
Ineligible risks typically include units under renovation, properties with woodstoves or space heaters, business or childcare exposures, units rented to college students or housing roomers/boarders, and locations in protection class 10.
Need help placing an account? Connect with a market specialist.