Questions & answers · Home insurance
In Maryland, my condo association charged me an assessment after a loss. Does my unit owner's insurance pay it?
Home insuranceLawyer / bad faithMarylandChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: Maryland Insurance Administration View original ↗
In short
- Maryland's insurance regulator says a unit owner's policy (HO-6) may include optional loss assessment coverage.
- That coverage may pay the owner's share of an assessment for a loss above the master policy limits.
- If the damage starts in your unit, the owner pays the master policy deductible, up to $10,000, unless the HO-6 covers it.
What this means
This answer uses one Maryland Insurance Administration FAQ page, and it is about Maryland condos only. The page says an HO-6 policy may provide loss assessment coverage as an optional add-on. It pays the owner's share of an assessment the association issues to cover part of a loss above the master policy limits.
The page also says that if damage starts in a particular unit, that unit's owner is responsible for the master policy deductible, up to $10,000. If the owner has an HO-6 policy with loss assessment coverage, it may cover that deductible share. Otherwise the owner is personally liable. Whether your own policy has this add-on depends on your policy. The sources do not say whether a given assessment is valid.
Your next step
Read your HO-6 declarations page and find "loss assessment." Ask your insurer in writing whether the assessment is covered. The page gives no deadline.
Check it yourself
Open the MIA Condo Insurance FAQs page and find the two passages quoted above.
Where this comes from (1)
[1] Maryland Insurance Administration · checked 2026-11-05
May provide loss assessment coverage (optional add-on), which will pay for the unit owner’s share of an assessment issued by the condominium association to cover any portion of a loss sustained by the association that exceeds the limits of the association's master policy. … provides that, if the cause of any damage to or destruction of any portion of the condominium originates from a particular unit, the owner of tha…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
What we don’t know yet
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Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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