2026 미국 50주 condo insurance HO-6 평균 실제 — NerdWallet 전국 $490/년·FL $995·WY $225 (master policy 보완)
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"$490/년·$40/월 평균" — NerdWallet 2026 미국 50주 condo insurance HO-6 실제 표
*Condo (HOA) policy* 는 *HOA master policy (외벽·common area) + 개인 HO-6 (interior + personal property + liability)* 2층 구조입니다. *master policy 가 cover 하지 않는 walls-in·studs-in·all-in coverage 차이 + 본인 가구·improvement·assessment* 을 HO-6 가 보충합니다. 본 글은 *NerdWallet 2026 전국 50주 + DC HO-6 평균 + master policy 3유형 + 한인 condo 매수자 체크* 를 *FACT* 로 정리합니다.
1) NerdWallet 2026 미국 50주 + DC condo HO-6 평균 (FACT)
| 주 | 연간 | 주 | 연간 | 주 | 연간 |
|---|---|---|---|---|---|
| Alabama | $565 | Kentucky | $570 | North Dakota | $305 |
| Alaska | $495 | Louisiana | $880 | Ohio | $375 |
| Arizona | $860 | Maine | $245 | Oklahoma | $640 |
| Arkansas | $575 | Maryland | $505 | Oregon | $515 |
| California | $825 | Massachusetts | $490 | Pennsylvania | $385 |
| Colorado | $685 | Michigan | $395 | Rhode Island | $525 |
| Connecticut | $460 | Minnesota | $400 | South Carolina | $485 |
| Delaware | $455 | Mississippi | $555 | South Dakota | $435 |
| Florida | $995 (최고) | Missouri | $450 | Tennessee | $520 |
| Georgia | $845 | Montana | $490 | Texas | $790 |
| Hawaii | $705 | Nebraska | $455 | Utah | $630 |
| Idaho | $380 | Nevada | $650 | Vermont | $230 |
| Illinois | $645 | New Hampshire | $330 | Virginia | $425 |
| Indiana | $470 | New Jersey | $450 | Washington | $555 |
| Iowa | $320 | New Mexico | $405 | West Virginia | $255 |
| Kansas | $435 | New York | $390 | Wisconsin | $310 |
| D.C. | $400 | North Carolina | $590 | Wyoming | $225 (최저) |
2) Master policy 3대 유형 (FACT)
| 유형 | HOA cover 범위 | HO-6 보충 범위 |
|---|---|---|
| Bare walls (studs-in) | *structural frame·studs·외벽·common area·*paint·flooring·fixtures *cover X | HO-6 가 *모든 interior* cover (drywall·flooring·cabinet·appliance·fixture) |
| Single entity (walls-in) | *structural + standard interior fixture (builder grade)·*upgrade 미커버 | HO-6 가 *upgrade·personal property·liability* cover |
| All-in (all-inclusive) | *structural + interior + upgrade (HOA 승인분)* | HO-6 가 *personal property + liability + loss assessment* 만 |
*HOA bylaw 와 master policy declaration page 를 *반드시 매수 전 확인*·*Bare walls 라면 HO-6 dwelling coverage 최소 $50K~$100K 필요*.
3) HO-6 표준 5대 보장 (FACT)
- Coverage A (Dwelling) — *interior structure·improvement·upgrade·*$25K~$100K 일반적
- Coverage C (Personal property) — *가구·전자제품·옷·*$15K~$50K (RCV 권장)
- Coverage D (Loss of use) — *임시 거주비·*Coverage A 의 20~30%
- Coverage E (Liability) — *손님 부상·*$100K~$500K
- Loss assessment — *HOA master policy deductible·*공동 손해 시 unit 별 분담금·*$1K~$50K 선택
4) Florida·HI·CA·NY 한인 condo 매수자 detail [INFERENCE]
| 주 | HO-6 평균 | 특이사항 |
|---|---|---|
| Florida $995 | (전국 1위) | *hurricane + condo high-rise·*Surfside (2021) 이후 SB 4-D 의무 reserve·*특별assessment 빈발 |
| Hawaii $705 | (중위권) | *Honolulu high-rise·*hurricane (Iniki)·*lava·tsunami 별도 |
| California $825 | (중상위) | *EQ 별도 필수·*HOA EQ assessment 위험·*loss assessment $50K 권장 |
| New York $390 | (저렴) | *Manhattan·Queens co-op·*sponsor 거래 별도 |
| NJ $450 | (저렴) | *Palisades Park·Fort Lee 한인 condo 단지 |
| TX $790 | (상위) | *Houston·Dallas·*hurricane + tornado 영향 |
5) 한인 condo 매수 시 5대 체크 [INFERENCE]
- master policy declaration — *bare walls vs walls-in vs all-in 확인·*deductible (보통 $25K~$100K)·*assessment 위험
- reserve study — *HOA 의 5~10년 long-term reserve·*FL 은 SB 4-D 의무·*부족 시 special assessment
- loss assessment $50K+ — *master policy deductible 이 unit 별 분담될 때 본인 부담·*특히 FL·CA·high-rise
- flood·EQ·hurricane endorsement — *FL·CA·HI·NY coastal 별도
- improvement coverage — *renovation (granite·hardwood·cabinet upgrade) 본인 부담·*receipts 보관 + Coverage A 충분 확보
출처 (FACT): NerdWallet 2026 Condo Insurance Cost by State·NerdWallet Condo HO-6 Guide·Insurance.com Condo Rates 2026·ValuePenguin Condo Insurance·III Condo Owner Insurance. NerdWallet 분석 = $60K dwelling·$40K personal property·$1,000 deductible 기준.