Condo Insurance in Knoxville, TN — Sharp Insurance Agency

Looking for Condo Insurance in Knoxville?
Sharp Insurance Agency has you covered.

Condo insurance—often called an HO‑6 policy—covers your individual condo unit where your association’s master policy stops. Most associations insure the building structure and common areas. However, what’s inside your unit is usually your responsibility.

Association by‑laws vary, but condo owners are commonly responsible “from the drywall in,” including:

• Interior walls and finishes
• Flooring and ceilings
• Cabinets, countertops, and built‑in appliances
• Fixtures and improvements/betterments
• Personal property (furniture, electronics, clothing)
• Personal liability and loss assessment

Getting a copy of your association’s by‑laws and master policy is a smart first step. We’ll review them with you so you know exactly what you’re responsible for and tailor your HO‑6 policy accordingly.

Condo insurance for townhomes

Some townhomes are insured like condos and require an HO‑6 policy, while others are covered like single‑family homes and may need an HO‑3 homeowners policy. If you’re in a townhome, we’ll help confirm the correct policy type based on your association documents.

What an HO‑6 policy typically includes

• Dwelling/Improvements & Betterments: Interior finishes, built‑ins, and upgrades
• Personal Property: Your belongings, with options for replacement cost
• Loss of Use: Additional living expenses if your unit is uninhabitable after a covered loss
• Personal Liability: If someone is injured or property is damaged due to your negligence
• Medical Payments to Others: For guest injuries without regard to fault
• Loss Assessment: Helps cover your share of a special assessment after a covered loss to common areas
• Optional Endorsements: Water backup, equipment breakdown, scheduled jewelry/valuables, unit owners’ special coverage, and more

We’ll align your coverage and limits to your association requirements and your personal risk profile.

Get started on your Knoxville condo insurance quote

We make it simple—share your association documents (by‑laws/master policy) and a quick inventory of your interior finishes and personal property, and we’ll shop multiple carriers for strong protection and value.

• Phone: (865) 922-2744
• Email: info@sharpinstn.com
• Office: Knoxville, TN (Office currently in renovation)
• Service Area: Knoxville and all of Tennessee

Contact Sharp Insurance Agency today for a personalized Knoxville homeowners insurance quote and see how the right coverage, carrier, and price come together.