An HO-6 policy is a type of homeowners insurance designed specifically for condominium and townhouse owners. It provides coverage for the owner's personal belongings, liability protection, and structural elements within the unit, like walls, floors, and fixtures. HO-6 policies also typically include coverage for improvements or upgrades made by the unit owner. The insurance complements the policy held by the homeowners association (HOA), which typically covers the building's exterior and common areas.