HO6 is designed for condo owners. The HO6 condo insurance will cover losses to any of your persona property and any structure you own. This policy also covers damages to any fixtures of upgrades you added on since the move-in date. A lot of people have HO6 insurance because they are required to if they have a mortgage on the condo. A regular condo insurance policy does not cover your actual unit or any of your belongings. HO6 does provide liability protection.